地区银行发展对家庭正规信贷约束缓解的不均衡影响——基于中国家庭金融调查数据的实证研究  

The Uneven Effect of Regional Banking Development on Household Credit Constraint: Evidence from CHFS Data

作　　者：吴雨[1] 彭嫦燕 秦芳[1] 

机构地区：[1]西南财经大学中国家庭金融调查与研究中心 [2]西南财经大学金融学院

出　　处：《经济评论》2018年第2期119-132,共14页Economic Review

基　　金：中央高校基本科研业务费专项资金(项目编号:JBK170978)资助;四川省社科规划项目统计专项(项目编号:SC17TJ022)资助

摘　　要：本文利用2013年中国家庭金融调查数据,研究了地区银行发展对家庭正规信贷约束的缓解作用。研究发现,地区银行发展有利于缓解家庭面临的正规信贷约束,并提高家庭正规信贷占信贷总额的比重。但进一步研究发现,地区银行发展对不同收入(资产)水平家庭信贷约束的影响存在异质性特征,表现为地区银行发展对低收入(资产)家庭信贷约束的缓解作用较小,对高收入(资产)家庭信贷约束的缓解作用较大。此外,地区银行发展对家庭正规信贷约束的缓解也存在显著的城乡差异,对农村家庭作用较小,对城市家庭作用较大。这说明,地区银行发展虽然从总体上缓解了家庭信贷约束问题,但也带来了更严重的信贷不均问题。本文研究对于理解我国家庭信贷不均现象具有一定的启示意义,同时也为普惠金融政策的制定提供了参考依据。This effect of regional paper draws on China Household Finance Survey data 2013 to investigate the banking development on formal credit constraint at the household level. We find that banking development helps to ease the formal credit constraint and increase the share of credit amount accounted by formal credit. A further empirical analysis shows that regional banking development alleviates the credit constraint on lowincome households. Moreover, banking high-income （asset） households more than that of development has a stronger impact on the credit constraint confronted by urban households than that by rural households. These results indicate that although banking development contributes to lift households out of credit constraint, it may worsen the credit inequality in the meantime. These findings provide empirical evidence for the urgency of developing an inclusive financial system.

关 键 词：地区银行发展 家庭正规信贷约束 信贷不均 

分 类 号：F832.4[经济管理—金融学]