我国家庭信贷状况研究:基于CHFS微观数据的分析  

The Households' Access to Credit in China:An Empirical Analysis based on Micro-Data of CHFS

作　　者：刘辉煌[1,2] 吴伟[1] 

机构地区：[1]湖南大学经济与贸易学院,湖南长沙410079 [2]湖南城市学院商学院,湖南益阳413000

出　　处：《商业经济与管理》2014年第8期81-88,共8页Journal of Business Economics

基　　金：湖南省社会科学基金重大招标项目(11ZDA07)

摘　　要：文章利用中国家庭金融调查2013年发布的调查数据,分别构建非参数次序probit模型和Heckman模型检验了影响城乡家庭信贷约束状况和贷款可得性的相关因素。结果表明,户主受教育程度和家庭收入水平提高、家庭资产规模增加等都能缓解家庭的信贷约束,户主的党员身份、大学以上的受教育程度以及家庭资产规模等能提高家庭的贷款可得性,户主年龄、风险偏好等变量对家庭信贷规模的边际效应显著为负,而尽管城市家庭和东部地区家庭获得的贷款支持更多,但是城市家庭和东部地区家庭还是面临着更大信贷约束。Based on the questionnaire data from China Household Finance Survey （CHFS）, the paper investigates the factors determining the households＇ access to credit. The result indicates that, a higher level of education, the increase in household income and household assets can alleviate credit constraints that families face. The party membership, the university-level education can increase the availability of loans, the marginal effect of the age and risk preference of the household head is significantly negative. Although the urban households and eastern families receive more support, the urban households and eastern families face more credit constraints.

关 键 词：家庭信贷状况 次序probit模型 半非参数估计 Heckman模型 

分 类 号：F830.5[经济管理—金融学]