西北大学学报:哲学社会科学版
西北大學學報:哲學社會科學版
서북대학학보:철학사회과학판
Journal of Northwest University(Philosophy and Social Sciences Edition)
2015年
3期
65~71
,共null页
农户 金融抑制 福利损失
農戶 金融抑製 福利損失
농호 금융억제 복리손실
rural household; credit constraint; welfare loss
运用Biprobit模型和含有哑变量的面板回归模型,采用2007-2012年陕西省6000户农户的调研数据,实证估计了农户的金融抑制程度及其导致的福利损失。结果发现,62.6%的农户受到了金融抑制,受到完全抑制和部分抑制的农户分别为43.3%和19.3%;金融抑制使得农户家庭净收入和消费支出分别减少13.0%和19.3%,而完全抑制使农户家庭净收入和消费支出分别减少15.9%和21.1%。
運用Biprobit模型和含有啞變量的麵闆迴歸模型,採用2007-2012年陝西省6000戶農戶的調研數據,實證估計瞭農戶的金融抑製程度及其導緻的福利損失。結果髮現,62.6%的農戶受到瞭金融抑製,受到完全抑製和部分抑製的農戶分彆為43.3%和19.3%;金融抑製使得農戶傢庭淨收入和消費支齣分彆減少13.0%和19.3%,而完全抑製使農戶傢庭淨收入和消費支齣分彆減少15.9%和21.1%。
운용Biprobit모형화함유아변량적면판회귀모형,채용2007-2012년합서성6000호농호적조연수거,실증고계료농호적금융억제정도급기도치적복리손실。결과발현,62.6%적농호수도료금융억제,수도완전억제화부분억제적농호분별위43.3%화19.3%;금융억제사득농호가정정수입화소비지출분별감소13.0%화19.3%,이완전억제사농호가정정수입화소비지출분별감소15.9%화21.1%。
Using recent survey date of 6000 rural households in Shaanxi Province from 2007 to 2012, we esti- mate the extent of credit constraints which the rural households suffer from, and its impact on the net income and consumption expenditure of rural households in Shaanxi Province. Estimation results reveal that 62.6% of Shaanxi Province rural households are rationed in credit markets, among them 43.3% are completely ra- tioned, and 19.3% partially rationed; the credit rationing decreased the net income and comsumption expend- iture of Shaanxi rural households by 13.0% and 19.3% respectively; and completely rationing decreased the net income and comsumption expenditure of Shaanxi rural households by 15.9% and 21.1% respectively.