经济经纬
經濟經緯
경제경위
Economic Survey
2014年
1期
149~154
,共null页
风险态度 信贷配给 风险成本
風險態度 信貸配給 風險成本
풍험태도 신대배급 풍험성본
Risk Attitude; Credit Rationing; Risk Cost
笔者利用张家港市农户的调查数据,运用Probit和Logit模型实证风险态度与信贷配给之间的关系。研究表明,农户风险态度与信贷配给呈显著的正向关系,农户的风险规避意识越强产生的需求型信贷配给越强烈。农户的风险态度决定了风险成本与风险溢金,进而影响了信贷行为及其信贷配给程度。缓解农户信贷配给应从政府、金融机构和农户三方面着手。
筆者利用張傢港市農戶的調查數據,運用Probit和Logit模型實證風險態度與信貸配給之間的關繫。研究錶明,農戶風險態度與信貸配給呈顯著的正嚮關繫,農戶的風險規避意識越彊產生的需求型信貸配給越彊烈。農戶的風險態度決定瞭風險成本與風險溢金,進而影響瞭信貸行為及其信貸配給程度。緩解農戶信貸配給應從政府、金融機構和農戶三方麵著手。
필자이용장가항시농호적조사수거,운용Probit화Logit모형실증풍험태도여신대배급지간적관계。연구표명,농호풍험태도여신대배급정현저적정향관계,농호적풍험규피의식월강산생적수구형신대배급월강렬。농호적풍험태도결정료풍험성본여풍험일금,진이영향료신대행위급기신대배급정도。완해농호신대배급응종정부、금융궤구화농호삼방면착수。
The paper theoretically analyzes and empirically tests the relationship between the farmer＇ s risk attitude and credit ration- ing. The results of descriptive analysis and the Probit model and Logit model indicate that there is a significantly positive relationship between risk attitude and credit rationing. The stronger the farmer＇ s risk aversion shows, the more seriously the demanded credit ra- tioning produces. The farmer＇s risk attitude determines the risk cost and risk premiumwhich affects the credit behavior and credit rationing degree. The measures for relieving the farmer＇ s credit rationing must be taken from government, financial institutions and farmer aspects.
