首都经济贸易大学学报Issue(2)：32-38,7.
家庭信贷状况及其收入效应--基于处理效应模型
Households' Access to Credit and Income Effect:Based on the Treatment Effect Model
刘辉煌 1吴伟2
作者信息
- 1. 湖南城市学院 商学院，湖南 益阳 413000
- 2. 湖南大学 经济与贸易学院，湖南 长沙 410079
- 折叠
摘要
Abstract
Based on the questionnaire data from China Household Finance Survey (CHFS ),this paper analyzed the income effect of access to credit in China.The result indicated that the access to credit was dif-ficult.The increase of household assets can alleviate credit constraints that families faced.A higher level of education,the party membership and the university-level education can increase the availability of loans;the marginal effect of the age and risk appetite of household head is negative,and the households in urban and rural received different supports;The impact of access to credit on income was obviously positive,but the effects for low-income families is not significant.关键词
家庭信贷状况/家庭收入/处理效应模型/EIF估计Key words
households' access to credit/household income/treatment effect model分类
管理科学引用本文复制引用
刘辉煌,吴伟..家庭信贷状况及其收入效应--基于处理效应模型[J].首都经济贸易大学学报,2015,(2):32-38,7.
