信用评级对农户正规信贷需求及可获性的影响——基于湖南省1125户农户的调查  

Impact of credit rating on farmers’formal credit demand and its availability:a study based on a survey of 1125 households in Hunan Province

作　　者：张宁 何贵 喻晓芬 ZHANG Ning;HE Gui;YU Xiao-fen

机构地区：[1]南京农业大学金融学院,江苏南京210095

出　　处：《东南大学学报（哲学社会科学版）》2022年第3期61-74,147,共15页Journal of Southeast University(Philosophy and Social Science)

基　　金：国家自然科学基金面上项目“乡村振兴战略背景下的中国农户信用评级:机制、效应与制度优化”(71873065);教育部人文社会科学研究项目(18YJC790220)成果之一。

摘　　要：从试验区信用评级机制出发,通过分析评级对农户正规信贷交易成本、时滞、利率,以及对银行信息成本等的影响,考察评级对农户正规信贷需求及可获性的作用机制,并进一步讨论了不同评级机制的影响差异。研究结果表明,信用评级可以缓解农户的自我信贷配给,以及低收入农户的银行信贷配给,从而提高了农户的正规信贷需求及可获性;进一步地,对于村两委参与程度较高,以及评定等级绑定利率优惠的试验村农户,信用评级的影响更为显著。提出:鼓励农村金融机构开展农户信用评级,同时,提高村两委的参与程度,并考虑将评定等级绑定利率优惠。Starting from the credit rating mechanism of the experimental area,through analyzing the impact of the ratings on farmers’transaction costs,time lags,interest rates,and bank’s information costs,this paper examines the impact of credit rating on farmers’formal credit demand and its availability,and discusses the impacts of different rating mechanisms.Based on the theoretical analysis,it also carries out an empirical test by using the data of households in the test village.The results show that credit rating can ease farmers’self-credit rationing and low-income farmers’bank credit rationing,thus increasing farmers’formal credit demand and its availability.Moreover,for the households in the test villages with higher participation degree and those whose evaluation grade binds interest rate,the impact of credit rating is more significant.The results suggest that we encourage rural financial institutions to carry out rural household credit rating,improve participation of villages,and consider binding rating to interest rate.

关 键 词：农户信用评级 正规信贷 信用评级机制 信贷配给 

分 类 号：F83[经济管理—金融学]