谁活跃在农村信贷市场:穷人还是富人?  

Who is Active in the Rural Credit Market:the Poor or the Rich?

作　　者：陈银娥[1,2] 曾小龙[1] 

机构地区：[1]中南财经政法大学经济学院,湖北武汉430073 [2]长沙理工大学经济与管理学院,湖南长沙410114

出　　处：《湖南大学学报（社会科学版）》2018年第1期64-71,共8页Journal of Hunan University(Social Sciences)

基　　金：国家社科基金重大项目:"普惠金融发展视角下精准扶贫;精准脱贫的理论与政策研究"(15ZDC027);中南财经政法大学博士生科研创新项目(2016-JJXY-BS-05)

摘　　要：基于2013年中国健康与养老追踪调查数据,本文使用Heckman两阶段选择模型对农村信贷市场的活跃主体进行了实证研究。结果显示,经济水平较低者即穷人是农村正规信贷市场和非正规信贷市场的主要活跃主体,穷人发生整体借贷、正规借贷和非正规借贷的可能性更高。为了缓解农村贫困农户的信贷约束,助力普惠金融精准扶贫,国家需要完善直接扶贫的普惠金融服务,创新间接扶贫的普惠金融服务,加强风险防控,优化农村金融环境。Based on the data from " China Health and Retirement Longitudinal Study" in 2013,we study the active subject of rural credit market by using Heckman two stage selection models.The results indicate that the lower levels of the economy,i.e.the poor are the main active part of the formal credit market and the informal credit market.Poor people are more likely to have overall borrowing,formal lending and informal borrowing.To alleviate the credit restriction of rural poor farmers and further advance inclusive finance and targeted poverty alleviation,it is necessary to perfect inclusive financial services for direct poverty alleviation and innovate inclusive financial services for indirect poverty alleviation,strengthening risk prevention and control,optimizing the rural financial environment.

关 键 词：农村信贷市场 正规借贷 非正规借贷 普惠金融 

分 类 号：F832.4[经济管理—金融学]