DOI:10.16158/j.cnki.51-1312/f.2011.06.014 2011. 06 ( 610074 ) 10 F832. 4 A 1003 5656 ( 2011 ) 06 0028 10-28 - [ 1 [ 2 2003 [ 3 [ 4 [ 5 60%?
ECONOMIST 2011. 06 [ 6 [ 7 [ 8 [ 9 [ 10 Guirkinger [ 11 2006 2006 10 263 2004 2040 2000 20040 1 11902 2 6 8132, 2000 8. 9% 2006 3. 3% 5. 6% 1, 1 2001 2006-29 -
2011. 06, 1 39. 5% 13. 6% 1 51. 7% 12. 2% 2 54. 8% 16. 2% 5. 8% [ 12-30 -
ECONOMIST 2011. 06 [ 7 [ 13 Stiglitz Weiss [ 14 [ 7 [ 9 [ 15 [ 11 [ 16 Boucher [ 17 [ 11 [ 18 Guirkinger [ 11 Boucher [ 19 4 PR QR ICR RR - 31 -
2011. 06 PR price - rationed with formal loan QR quantity - rationed 1 2 3 ICR interest cost - rationed RR risk - rationed PR QR ICR RR 1 0 QR ICR RR 1 QR ICR RR IBi = g0 + g1 QR + g2 ICR + g3 RR + g't OTHER + ei 1 IB Informal borrowing IB 0 1 2 QR ICR RR QR ICR RR ( numstu) agela 16 ( numla ) ( edula) laborrat femalerat ( timeoutla ) (arableland) (tincome) (incnonfarm) 2006 (savings) (distance) (province) [11 [12 IB Multinomial [ 20 Logit Multinomial Logit, 3 Multinomial Logit 1 2-32 -
ECONOMIST 2011. 06 3 4 5 8 1. QR ICR RR 3 1 3 5 6 IB = 1 1 6 1 2 3 4 5 6 9 1 2 1000 3 1000-3000 4 3000-5000 5 5000-1 6 1-2 7 2-5 8 5-10 9 10-33 -
2011. 06 QR QR = 1 QR ICR ICR ICR 7% 6 RR 3 2 4 7 8 IB = 2 QR QR = 1 QR 4. 3% 3 8 ICR ICR 4. 2% RR RR RR 3. 2% 2. edula femalerat savings distance arableland tincome incnonfarm 3 5 7 [ 10-34 -
ECONOMIST 2011. 06 5 7,, [ 10, Multinomial Probit 1 6 60% 2006-35 -
2011. 06 1 2-36 -
ECONOMIST 2011. 06 [1 YARON J, BENJAMIN M P AND PIPREK G L. Rural Finance: Issues, Design and Best Practices[R. The World Bank Discussion Papers, 1997. [2. [ J.,2010, (3 ) : 194-206. [3. [ J.,1999,(10 ) : 42-48. [4. [ J.,2004,(12 ) : 96-104. [5. [ J.,2009, (2 ) : 43-55. [6. [ J.,2009,(6 ) : 51-61. [7. [ J.,2009, (6 ) : 37-50. [8. [ J.,2009, (6 ) : 62-72. [9. : [ J.,2006, (6 ) : 38-42. [10. [ J.,2009,(4 ) : 63-79. [11 GUIRKINGER C. Understanding the Coexistence of Formal and Informal Credit Markets in Piura, Peru [ J. World Development, 2008, 36: 1436-1452. [12. [ J.,2010,(2 ) : 195-206. [13 BALTENSPERGER E. Credit Rationing Issues and Questions, Journal of Money [ J. Credit and Banking, 1978, 10 (2 ) 170-183. [14 STIGLITZ J AND WEISS A. Credit Rationing in Markets with Imperfect Information[ J. American Economic Review, 1981,73 (3 ) 393-410. [15. [ J.,2008, (7 ) : 27-37. [16. [ J.,2005,(4 ) : 89-98. [ 17 BOUCHER S, GUIRKINGER C and Trivelli C. Direct Elicitation or Credit Constraints: Conceptual and Practical Issues with an Empirical Application [ M. Mimeo, University of Califonia, 2005. [18. [ J.,2010, (4 ) : 33-35. [19 BOUCHER S AND GUIRKINGER C. Risk, Wealth and Sectoral Choice in Rural Credit Markets[ J. American Journal of Agricultural Economics, 2007, 89 991-1004. [20. [ M. 2007: 422-429. ( 2010 11 25 ) - 37 -