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Empirical Analysis on the Rural Credit Rationing
Author(s): 
Pages: 13-17
Year: Issue:  5
Journal: The Theory and Practice of Finance and Economics

Keyword:  农村信贷配给制度因子时间序列模型ADF检验;
Abstract: 信贷配给是制约我国农村信贷市场建设的重要因素,也阻碍了农村金融环境优化、影响了农村经济的良性发展.通过引入制度因子,量化信贷配给,构建了信贷配给宏观计量模型,对我国农村信贷配给状况进行实证检验,结果证明,利率和制度因子是造成我国农村信贷配给的两大因子.应合理调控利率、推进深化改革、加大三农扶持力度,实现农村经济社会的和谐发展.
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