贷款技术、监督机制与农户信贷风险——来自农户数据的观察  

Loan Technology,Supervision Mechanism and Farmer’s Default Risk——Based on Households Data

作　　者：王磊玲[1] 邢琪瑄 张云燕 WANG Lei-ling;XING Qi-xuan;ZHANG Yun-yan

机构地区：[1]郑州大学商学院 [2]西安石油大学科技处

出　　处：《农村金融研究》2021年第8期43-53,共11页Rural Finance Research

基　　金：国家自然科学基金(编号:71703155);教育部人文社科青年项目(编号:17YJC790150);河南省社会科学规划项目(编号:2019JJ056);郑州大学经济、管理新兴学科孵化研究基地(编号:101-23610255)的研究成果。

摘　　要：降低农户信贷风险是提高金融机构放贷意愿、缓解农村信贷约束、助力乡村振兴的关键。论文构建抵押、担保、信用贷款三种贷款监督机制与农户信贷风险缓释机制的理论模型,并运用Logit模型进行实证检验。结果表明,抵押贷款能够防范信贷风险;担保贷款防范信贷风险的效果通过担保人异质性发挥作用,优质担保人能有效约束农户道德风险,影响农户还贷意愿,但对农户还款能力没有积极影响。最后从优化信贷决策、提高客户风险筛选能力、提高农户信用意识、重塑农村信用环境等方面提出对策建议。Reducing farmers’credit risk is the key to improve the willingness of financial institutions to lend,alleviate rural credit constraints and help rural revitalization.This paper constructs the theoretical model of mortgage,guarantee and credit loan supervision mechanism and farmers’credit risk mitigation mechanism,and makes an empirical test by using logit model.Results show that mortgage loan can prevent credit risk,and the effect of guaranteed loan to prevent credit risk plays a role through the heterogeneity of guarantor.High quality guarantor can effectively restrict farmers’moral hazard and affect farmers’willingness to repay the loan,but it has no positive impact on farmers’repayment ability.Based on this,the paper finally puts forward countermeasures and suggestions from the aspects of improving loan technology,optimizing credit decision-making,developing customer risk screening ability,raising farmers’credit awareness and reshaping rural credit environment.

关 键 词：贷款技术 监督机制 信贷风险 担保异质性 

分 类 号：F832.43[经济管理—金融学]