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劳动经济学双周学术论坛第114期讲座通知
时间:2017-11-13 浏览量:421
 

讲座题目:Can Microcredit Program Crowd out Informal Financial Networks? Evidence from a Randomized Control Trial in China

摘要:

This study finds unintended crowding out effects of a microcredit program on informal financial networks of smoothing consumption among households in China based on a randomized control trial. The results show that the informal loans decrease substantially for both borrowers and non-borrowers of the program loans as a result of randomly assigned microcredit program to the village. Meanwhile, the paper finds the microfinance program reduces the effect of informal financial networks on consumption smoothing. Further analysis suggests the access to financial inclusion weaken other forms of social interaction, like transfers, as well in the medium-long run. These results are consistent with a two-period model of households’ decisions under liquidity constraints. Expecting to take loans from the microcredit program in the second period, the households reduce savings for investment in the future. This enhances their capability to smooth consumption by self-financing; thus, they rely less on informal financial networks.

主讲人:蔡澍助理教授 (暨南大学)

讲座语言:中文

讲座时间:2017  11 17日(星期五)下午 13:30  15:00

讲座地点:求是楼 347 会议室

主持人:韩军副教授

参加人员:热烈欢迎广大师生参加。

主讲人简介:

蔡澍,暨南大学助理教授,2016年毕业于香港科技大学,师从国际著名劳动经济学者Albert Park教授。蔡澍从事关于中国的发展经济学和劳动经济学的研究,发表论文于国际著名学术期刊JEBO,并有多篇论文在国际著名学术期刊审稿中。蔡澍研究扎实,在今年获得了全国优秀博士论文奖。

 
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地址:北京市中关村大街59号中国人民大学求是楼
劳动人事学院公众号 人大人力资源公众号
  劳动人事学院公众号 人大人力资源公众号