Does Access to Formal Agricultural Credit Depend on Caste
Does Access to Formal Agricultural Credit Depend on Caste
复制标题
获得正式农业信贷是否取决于种姓
DOI：
10.1016/j.worlddev.2012.11.001
复制
发表时间：
2013
影响因子：
6.9
通讯作者：
S. Kumar
中科院分区：
文献类型：
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作者：
S. Kumar
本文分析种姓制度是否阻碍了印度正规农业信贷的获得。信贷主要通过合作银行和商业银行提供。利用国家数据，我们发现合作银行歧视低种姓借款人，并发现微弱的证据表明商业银行根据平权行动政策而偏向于对他们有利的贷款。我们比较了两种类型银行的组织结构，并通过表明歧视发生在高种姓占主导地位的地区，从地区层面的利益集团捕获角度解释了合作银行的歧视。
This paper analyzes whether caste impedes access to formal agricultural credit in India. Credit is provided mainly through cooperative and commercial banks. Using national data, we find that cooperative banks discriminate against lower caste borrowers, and find weak evidence that commercial banks instead bias lending in their favor in accordance with affirmative action policies. We compare the organizational structures of the two types of bank, and explain discrimination by cooperative banks in terms of interest group capture at the district level by showing that discrimination takes place in those districts where higher castes dominate.