Assessing the Reliability of Self‐reported Income Information in Informal Small Business Lending through a Bogus Pipeline Experiment
Assessing the Reliability of Self‐reported Income Information in Informal Small Business Lending through a Bogus Pipeline Experiment
复制标题
通过虚假管道实验评估非正式小企业贷款中自我报告收入信息的可靠性
DOI：
10.1111/1477-9552.12263
复制
发表时间：
2018
影响因子：
3.4
通讯作者：
Turvey
中科院分区：
文献类型：
--
作者：
Römer;Mußhoff;Turvey
应对信息不对称在成功的小企业贷款中起着重要作用。我们的目的是确定小企业申请人在申请贷款时是否正确报告了他们的收入信息。我们使用了一个随机对照试验假管道实验，建立在一个典型的现金流分析的银行在菲律宾的小企业。伪管道方法通常应用于社会科学，旨在通过告知参与者答案将由测谎仪验证来提高说出真相的比率。实验数据包括对主要来自农业和食品价值链的信贷客户的243次观察，用于确定信息不对称。此外，银行亦观察债务人偿还已批准贷款的行为。我们的研究结果表明，贷款申请人的治疗组报告较低的收入，这是最明显的低收入分位数的效果。我们的分析还显示，对照组的贷款拖欠率较高。
Coping with asymmetric information plays a major role in successful small business lending. Our purpose is to determine if small business applicants report their income information correctly when requesting a loan. We use a randomised controlled trial bogus pipeline experiment, established during a typical cash‐flow analysis of a bank for small businesses in the Philippines. The bogus pipeline approach is commonly applied in social science and aims to increase the rate of truth telling by informing participants that answers will be verified by a lie detector. The experimental data, which include 243 observations of credit clients that are mainly from the agricultural and food value chain, served to identify asymmetric information. Additionally, debtors’ repayment behaviour for approved loans was observed by the bank. Our results indicate that loan applicants of the treatment group report lower incomes, an effect which is most pronounced in lower income quantile. Our analyses also reveal higher loan delinquencies in the control group.
影响因子：
1.6
作者：
Ron Weber;O. Musshoff
通讯作者：
O. Musshoff
了解客户是值得的：满足以客户为中心的小额信贷机构的信息需求
DOI：
--
发表时间：
2002
期刊：
影响因子：
--
作者：
E. G. Dunn
通讯作者：
E. G. Dunn