检索规则说明:AND代表“并且”;OR代表“或者”;NOT代表“不包含”;(注意必须大写,运算符两边需空一格)
检 索 范 例 :范例一: (K=图书馆学 OR K=情报学) AND A=范并思 范例二:J=计算机应用与软件 AND (U=C++ OR U=Basic) NOT M=Visual
作 者:左斐[1] 徐璋勇[1] 罗添元[2] ZUO Fei;XU Zhang-yong;LUO Tian-yuan(School of Economics and Management,Northwest University,Xi' an,710127 ,China;School of Economics and Management,Northwest University of Agriculture and Forestry,Xi' an,712100,China)
机构地区:[1]西北大学经济管理学院,西安710127 [2]西北农林科技大学经济管理学院,西安712100
出 处:《云南财经大学学报》2019年第8期63-75,共13页Journal of Yunnan University of Finance and Economics
基 金:国家社会科学基金项目“我国粮食安全的保险保障机制与政策研究”(14CJY074);陕西省社会科学基金项目“金融支农体系结构与农业保险的角色研究”(13D054);陕西省重点学科“国民经济学”
摘 要:针对保险能否支持农户融资的问题,基于2014年陕、苏二省822户农户的调查数据,采用四元Probit模型,在有效分离信贷、保险供需行为的前提下,对保险之于农户信贷供给的影响进行实证检验。结果显示,总体上保险的存在显著提高了农户获取正规信贷的能力,但与信贷损失挂钩的农作物保险相比其他类别的商业保险更能发挥作用;同时,陕西样本地区相比江苏样本地区保险对信贷的支持作用更加明显,而这一差异来源于陕西样本地区政策性的银保互联支持。研究为信贷保险互联的制度安排提供了进一步经验支持。着眼于缓解农户信贷配给,应当进一步支持构建多样化的信贷保险关联机制。This article examines how insurance affect credit access of rural households. By using quaternary Probit model and the survey data of 822 rural households in Shanxi and Jiangsu Provinces in 2014, the paper empirically tests the impact of insurance on the credit supply of rural households. Results show that insurance in general significantly improves the ability of rural households to gain formal credits, and crop insurance, which is connected with credit loss, plays a better role compared with other types of commercial insurance. Meanwhile, insurance of the sample region of Shanxi Province provides stronger support to credit than the sample region of Jiangsu Province. The difference lies in the policy - guided bank - insurance interconnection support of the sample region in Shanxi. The article provides further empirical support for the institutional arrangement of bank - insurance interconnection. From the perspective of alleviating the credit rationing of farmers, more support should be given to the construction of diversified bank-insurance interconnection mechanisms.
正在载入数据...
正在载入数据...
正在载入数据...
正在载入数据...
正在载入数据...
正在载入数据...
正在载入数据...
正在链接到云南高校图书馆文献保障联盟下载...
云南高校图书馆联盟文献共享服务平台 版权所有©
您的IP:216.73.216.38