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- 저자 : Hon Van CAO (검색결과 2 건)
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Geographical Distance and Access to Bank Credit of Vietnamese Farmers
Le Khuong Ninh,Cao Van Hon 중앙대학교 경제연구소 2023 Journal of Economic Development Vol.48 No.1
This paper estimates the impact of bank-borrower geographical distance on the access of farming households using a primary dataset on 1,234 rice farming households in Vietnam. Despite tremendous progress in the internet and telecommunication infrastructures for e-banking that helps relieve information asymmetry and transaction costs, the geographical distance still negatively affects the access of farming households to bank credit. Moreover, the distance from their locations to the nearest provincial roads aggravates this effect. We also find that collateral and the length of credit relationships relieve the adverse restraints on their access to bank credit, as do family members who are bank officers or rice traders or are friends of those agents. The main findings of this paper point to the importance of banks expanding their branch networks and the conversion of local roads to provincial roads by the government in terms of enhancing rice farming households’ access to bank credit.
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Credit Rationing and Trade Credit Use by Farmers in Vietnam
Ninh Khuong LE,Tu Anh PHAN,Hon Van CAO 한국유통과학회 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.4
The purpose of this paper is to estimate the impact of credit rationing on the amount of trade credit used by farmers in Vietnam. This study employs a survey data collected through direct interviews with heads of 1,065 rice households randomly selected out of provinces and city in the Mekong River Delta (MRD). In each province or city, the village with the largest area of land devoted to rice production from the district with the largest area of land devoted to rice production was picked up for survey. In each village, 200 rice farmers were randomly chosen for interview. Based on a probit model and a semi-parametric propensity score matching (PSM) estimator while controlling sociodemographic traits of rice farmers, the estimated results show that non-credit rationed farmers use less trade credit to finance production compared to their credit rationed counterparts. Moreover, the amount of trade credit used by farmers decreases as the degree of credit rationing drops. This paper provides evidence of the substitutive relationship between bank credit and trade credit. It also implicitly suggests that banks can drive trade creditors out of the market if they manage to solve the problem of information asymmetry and transaction cost.
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