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Research on the Factors Driving Financial Over-Indebtedness and the Impacts of the Interest Rate Ceiling on the Microfinance Sector: The Cambodian Case and International Comparison Analysis

金融过度负债的驱动因素及利率上限对小额信贷行业的影响研究：柬埔寨案例与国际比较分析

基本信息

批准号：
18K01604
负责人：
サムレトソワンルン
金额：
$ 2.83万
依托单位：
Saitama University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2018
资助国家：
日本
起止时间：
2018-04-01 至 2024-03-31
项目状态：
已结题

来源：
https://kaken.nii.ac.jp/en/grant/KAKENHI-PROJECT-18K01604/
关键词：
Interest rate ceiling Financial inclusion Microfinance Credit rationing Debt burden Cambodia Indebtedness Over-indebtedness

项目摘要

This study explores the impact of implementing an interest rate ceiling in Cambodia’s microfinance sector. We deepened our understanding of these effects by continuing to conduct a comprehensive review of the literature in FY2022, covering both developed and developing countries.The implementation of a legal interest rate ceiling can significantly influence various aspects of the financial sector. Numerous studies have pointed towards potential negative consequences for financial inclusion, particularly for borrowers who require smaller loans. However, the role of this legal ceiling in protecting borrowers is also widely acknowledged. In relation to Cambodia, some prior studies suggested that the average effective interest rate might not decrease, as lower rates imposed by the legal ceiling could be offset by increased loan assessment and processing fees. Nevertheless, our sophisticated analysis of data from a household survey indicated a decrease in the average effective interest rate of microfinance loans following the introduction of the ceiling.To disseminate our findings and engage in intellectual exchange with other researchers, we presented our research at an international academic conference in Singapore on August 2, 2022. The presentation was conducted face-to-face.

本研究探讨了在柬埔寨小额信贷部门实施利率上限的影响。我们通过在2022财年继续对涵盖发达国家和发展中国家的文献进行全面审查，加深了对这些影响的理解。实施法律的利率上限可以显著影响金融部门的各个方面。许多研究都指出了金融包容性的潜在负面后果，特别是对需要小额贷款的借款人。不过，这一法律的上限在保护借款人方面的作用也得到了广泛认可。就柬埔寨而言，先前的一些研究表明，平均实际利率可能不会下降，因为法律的最高限额所规定的较低利率可能会被增加的贷款评估和手续费所抵消。然而，通过对家庭调查数据的分析，我们发现小额信贷贷款的平均实际利率在设定上限后有所下降。为了传播我们的研究结果，并与其他研究人员进行知识交流，我们于2022年8月2日在新加坡举行的国际学术会议上介绍了我们的研究。介绍是面对面进行的。

项目成果

期刊论文数量（17）

专著数量（0）

科研奖励数量（0）

会议论文数量（0）

专利数量（0）

The Impact of Interest Rate Cap Policy on the Lending Behavior of Microfinance Institutions in Cambodia: Evidence from Millions of Observations in the Credit Registry Database

利率上限政策对柬埔寨小额信贷机构贷款行为的影响：来自信用登记数据库数百万次观察的证据

DOI：
发表时间：
2020
期刊：
Research Center for Sustainable Development in East Asia, Saitama University, Discussion Paper Series
影响因子：
0
作者：
Daiju Aiba;Sovannroeun Samreth;Sothearoath Oeur and Vanndy Vat
通讯作者：
Sothearoath Oeur and Vanndy Vat

Impacts of Interest Rate Ceiling on Microfinance Sector in Cambodia: Evidence from a Household Survey

利率上限对柬埔寨小额信贷行业的影响：来自家庭调查的证据