农户信贷可得性和最优贷款额度的理论分析与实证检验——基于农业保险抵押品替代视角

›› 2017, Vol. 29 ›› Issue (6): 32-42.

农户信贷可得性和最优贷款额度的理论分析与实证检验——基于农业保险抵押品替代视角

任乐¹, 王性玉¹, 赵辉²

1. 河南大学管理科学与工程研究所, 开封 475004;
2. 河南大学数学与统计学院, 开封 475004

收稿日期:2017-02-20 出版日期:2017-06-28 发布日期:2017-06-23
通讯作者: 王性玉(通讯作者),河南大学管理科学与工程研究所教授,博士生导师,博士
作者简介:任乐,河南大学管理科学与工程研究所博士研究生,河南大学商学院讲师;赵辉,河南大学数学与统计学院讲师,硕士
基金资助:
国家自然科学基金项目（71373068）；河南省政府决策招标课题（2016B187）；河南省科技厅软科学研究项目（162400410218）

Research on the Credit Availability of Farmer Households and the Optimal Amount of Credit:Based on the Collateral Substitution of Agricultural Insurance

Ren Le¹, Wang Xingyu¹, Zhao Hui²

1. Institute of Management Science and Engineering, Henan University, Kaifeng 475004;
2. School of Mathematics and Statistics, Henan University, Kaifeng 475004

Received:2017-02-20 Online:2017-06-28 Published:2017-06-23

摘要/Abstract

摘要：

本文在对农业保险相关文献梳理的基础上，从借款人（农户）和贷款人（金融机构）双方福利最大化的角度构建模型，深入分析农业保险和农户信贷的内在作用机理，并在此基础上提出研究假设，进一步利用河南农户的调查数据进行实证检验。通过Logit回归模型和Tobit回归模型分析发现，农业保险作为抵押品替代信号能够有效缓解农户所受信贷配给，增加其信贷可得性和信贷额度。研究结论对更好的发挥银保互动融资功能，推进农村普惠金融服务，切实解决农村金融抑制问题具有现实指导意义。

关键词: 信贷配给, 农业保险, 信贷可得性

Abstract:

Based on the agricultural insurance related literature review,this paper builds models from the borrower (i.e.farmer household) and the lender (i.e.financial institutions)'s welfare maximization perspective,analyzes the intrinsic mechanism of agricultural insurance as collateral substitution and rural credit in-depth,and puts forward the corresponding hypotheses.Then,this paper further uses the survey data of farmer households in Henan for empirical test.Through the Logit regression model and Tobit regression model,it finds that the agricultural insurance as collateral substitution signal can effectively alleviate the credit rationing of farmer households,increase their credit availability and credit amount.The research results have important theoretical and practical significance for the better functioning of bank and insurance financing,the strengthening of rural inclusive financial services and the solving of problems in rural financial services.

Key words: credit rationing, agricultural insurance, credit availability

任乐, 王性玉, 赵辉. 农户信贷可得性和最优贷款额度的理论分析与实证检验——基于农业保险抵押品替代视角[J]. , 2017, 29(6): 32-42.

Ren Le, Wang Xingyu, Zhao Hui. Research on the Credit Availability of Farmer Households and the Optimal Amount of Credit:Based on the Collateral Substitution of Agricultural Insurance[J]. , 2017, 29(6): 32-42.

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