银农关系对“软信息”传递效果的影响研究——基于信贷可得性视角  

Effect of Bank-farm Relationship on"Soft Information"Transmission:Based on the Perspective of Credit Availability

作　　者：莫媛[1,3] 王静 MO Yuan;WANG Jing(Nanjing University of Finance and Economics,Nanjing 210023,Jiangsu,China;Nanjing University,Nanjing 210093,Jiangsu,China)

机构地区：[1]南京财经大学金融学院,江苏南京210023 [2]南京财经大学,江苏南京210023 [3]南京大学商学院,江苏南京210093

出　　处：《东北农业大学学报（社会科学版）》2023年第1期14-29,共16页Journal of Northeast Agricultural University:Social Science Edition

基　　金：江苏高校哲社基金一般项目“信贷可得性视角下银农信息传递效果研究”(2019SJA0266);中国博士后基金面上项目“农村信贷资金流动对经济包容性发展的影响研究”(2019M661802);国家自然科学基金青年项目“互联网普及视角下农户数字素养对农业全要素生产率的作用机制研究”(72003086)。

摘　　要：文章以2018年江苏省760户农户为样本,基于信息经济学理论构建银农信息传递分析框架,运用CMP模型实证研究银农关系对“软信息”传递效果的影响。分析结果表明,首先,农户的信用认证、工资收入和投资情绪等重要“软信息”能被银行顺利获取,并对其信贷决策产生影响;其次,银农关系的关系持续期和关系银行数均显著提高“软信息”传递的有效性,银农关系对信用认证变量的调节作用显著,但对其他“软信息”调节作用不显著。最后,相比普通农户,农业大户“软信息”传递并未显现出明显优势。This paper takes 760 households in Jiangsu Province in 2018 as samples,constructs an analysis framework of information transfer between banks and farmers based on information economics theory,and uses CMP model to empirically study the influence of bank-farmer relationship on the delivery effect of"soft information".It shows that,firstly,important"soft information"such as farmers'credit certification,salary income and investment sentiment can be obtained by banks and lending decisions can be made.Secondly,both the duration of the bank-farmer relationship and the number of related banks significantly improve the effectiveness of"soft information"transmission.The bank-farmer relationship has a significant regulating effect on credit certification,but has no significant regulating effect on others.Finally,compared with ordinary farmers,the"soft information"transmission of scale farmer do not show obvious advantages.

关 键 词：关系型信贷 银农关系 软信息 信贷可得性 

分 类 号：F832[经济管理—金融学]