信息生产能力与农业保险对农村金融市场信贷配给的影响——基于湖南岳阳市农村金融市场的实证研究  

The Information Productivity,Agricultural Insurance and the Rural Credit Rationing——The Empirical Studies Based on Rural Financial Markets of Yueyang

作　　者：刘祚祥[1] 孙良媛[2] 黄权国[1] 

机构地区：[1]长沙理工大学经济与管理学院,湖南长沙410114 [2]华南农业大学经济与管理学院,广东广州510642

出　　处：《广东金融学院学报》2012年第4期97-107,共11页Journal of Guangdong University of Finance

基　　金：教育部人文社科研究规划基金项目(10JA790122);国家社科基金项目(11BJL043)

摘　　要：利用修正的S-W模型论证贷款人的信息生产能力与其风险及贷款利率之间的关系;并在模型中引入农业保险,分别考察农业保险对农村信贷利率、风险及贷款人收益的影响;同时通过对岳阳市辖内六县市的调查案例和数据进行经验分析,结果表明农业保险降低了农村信贷配给,降低了信贷机构风险并增加了信贷机构收益,农业保险对农村信贷规模有显著的促进作用。In this paper,we modify the assumptions of Stiglitz-Weiss model,and dem- onstrate the relations among the lenders＇information productivity, risk and credit interest rates. By introducing the agricultural insurance in the model, we study the influence of agricultural insurance on the rural credit interest rates, risk and income. Using the cases and da- ta of the six counties of Yueyang, we conclude that agricultural insurance can drop the rural credit rationing and credit institutions risk and enhance its income. Agricultural insurance can act on prominent effect to rural credit quota.

关 键 词：信贷配给 农业保险 S—W模型 农村信贷市场 

分 类 号：F840.66[经济管理—保险]