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報告題目：Microcredit and Informal Risk Sharing: Experimental Evidence from the Village Banking Program in China

報 告 人：蔡澍（暨南大學(xué)經(jīng)濟(jì)與社會研究院 長聘副教授）

主 持 人：沙文彪（中山大學(xué)嶺南學(xué)院 助理教授）

時 間：2022年10月21日（周五）下午14:30

地 點：嶺南堂汪道涵會議室

語 言：中文+英文

摘要：

This study examines the impacts of a large-scale government-led microcredit program on informal risk sharing among poor households in rural China using a randomized controlled trial. The results show that access to microcredit reduced informal borrowing for an average household in treatment villages. In particular, informal borrowing decreased substantially for program members, regardless of whether or not they had borrowed from the program. Further analyses suggest that the program alleviated households’ dependence on informal borrowing to deal with consumption shocks for program members who did not borrow from the program. Meanwhile, for such households, the crowding-out effect on informal borrowing existed even during the program’s announcement period. These results are consistent with the theoretical prediction that access to microcredit raises the expected utility of autarky relative to that derived from risk-pooling arrangements, and thus reduces implementable risk-sharing contracts.

報告人介紹：

蔡澍，現(xiàn)任暨南大學(xué)經(jīng)濟(jì)與社會研究院長聘副教授。研究領(lǐng)域包括發(fā)展經(jīng)濟(jì)學(xué)、勞動經(jīng)濟(jì)學(xué)和應(yīng)用微觀經(jīng)濟(jì)學(xué)，研究方向為貧困問題、農(nóng)村金融、人口流動和主觀幸福感。相關(guān)研究發(fā)表于Journal of Development Economics, Journal of Economic Behavior and Organization, Journal of Population Economics, Oxford Economic Papers, China Economic Review等國際知名期刊。主持國家自然科學(xué)基金面上項目、青年基金項目、廣東省教育廳普通高校創(chuàng)新基金等項目。獲得中國經(jīng)濟(jì)學(xué)優(yōu)秀博士論文獎，中國留美經(jīng)濟(jì)學(xué)會鄒至莊最佳論文提名獎等獎項。

歡迎感興趣的師生參加！

中山大學(xué)嶺南學(xué)術(shù)論壇分經(jīng)濟(jì)學(xué)和金融學(xué)兩大系列，是定期邀請國內(nèi)外優(yōu)秀學(xué)者前來開展學(xué)術(shù)交流的平臺。每系列每個月定期舉辦2-3次。目前已經(jīng)成功舉辦多期，并得到了各界的高度評價。