Position: Home > Articles > Does the Decreasing Banking Concentration Mitigate Agricultural Credit Rationing? An Empirical Study Based on the Provincial Panel Data in China( 2008—2013)
Issues in Agricultural Economy
2015
(12)
74-81+111-112
银行集中度的下降是否缓解了涉农信贷配给——基于省级面板数据(2008—2013年)的实证研究
作 者：
刘春志;张雪兰;马悦婷
单 位：
中南财经政法大学金融学院
关键词：
银行集中度;涉农贷款;信贷配给;金融市场结构;市场化改革
摘 要：
本文旨在探讨银行业市场结构变迁如何影响涉农信贷配给。利用2008—2013年分省面板数据,对银行集中度与涉农信贷配给间的因果关联进行实证检验发现,银行集中度的下降伴随着涉农信贷配给程度的显著降低。进一步地,涉农信贷配给程度受到第三产业增长速度、市场化进程以及财政支农力度的影响。这表明要有效缓解涉农信贷配给,既要优化金融市场结构、有效治理银行过度集中,又要推动市场化改革进程以及产业政策、财政政策的协同配合。
译 名：
Does the Decreasing Banking Concentration Mitigate Agricultural Credit Rationing? An Empirical Study Based on the Provincial Panel Data in China( 2008—2013)
作 者：
LIU Chunzhi;ZHANG Xuelan;MA Yueting;
摘 要：
This paper aims to discuss how the changes of banking market? structure Affect agricultural credit rationing. With an empirical analysis on the causal relationship between bank concentration and agricultural credit rationing the provincial with the panel data from 2008 to 2013,we find that the degree of agricultural credit rationing declines with lower bank concentration. Furthermore,agricultural credit rationing is affected by the tertiary industry growth rate,the process of market development,as well as thestrength of agricultural financial subsidies,which suggests that in order to alleviate agricultural credit rationing effectively,it is necessary not only to optimize the structure of financial markets,governance excessive banking concentration effectively,but also to promote market-oriented reform and the coordination of industrial policy and fiscal policy.
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