家庭信贷状况及其收入效应——基于处理效应模型  

Households' Access to Credit and Income Effect:Based on the Treatment Effect Model

作　　者：刘辉煌[1,2] 吴伟[2] 

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

出　　处：《首都经济贸易大学学报》2015年第2期32-38,共7页Journal of Capital University of Economics and Business

摘　　要：根据中国家庭金融调查2013年发布的微观调查数据,对中国家庭借贷状况进行了分析,并构建处理效应模型检验了信贷支持对家庭收入的影响。结果表明,能够获得银行贷款的家庭相对较少;在影响家庭贷款可得性的因素中,受教育程度、政治地位、资产规模等因素具有显著的积极作用,而户主年龄、风险偏好程度等因素的影响显著为负;城乡家庭之间获得贷款的可能性存在差异,但地区间的差异并不明显;信贷支持能够显著提高家庭收入水平,但是在不同收入水平家庭中的影响存在差异,贷款的收入效应在低收入水平家庭中并不明显。Based on the questionnaire data from China Household Finance Survey （CHFS）, this paper analyzed the income effect of access to credit in China. The result indicated that the access to credit was difficult. The increase of household assets can alleviate credit constraints that families faced. A higher level of education,the party membership and the university-level education can increase the availability of loans; the marginal effect of the age and risk appetite of household head is negative, and the households in urban and rural received different supports;The impact of access to credit on income was obviously positive, but the effects for low-income families is not significant.

关 键 词：家庭信贷状况 家庭收入 处理效应模型 EIF估计 

分 类 号：F832.43[经济管理—金融学]