当贷款人伸出援助之手:本地CDFI客户咨询和贷款表现在印度国家
Valentina Dimitrova-Grajzl1, Peter Grajzl2,3, A Joseph Guse2
1Department of Economics and Business, Virginia Military Institute, Lexington, Virginia, USA.
概括
原住民社区发展金融机构 (NCDFI) 通过金融咨询来减少贷款失败. 对于信用经验有限的借款人来说,个性化指导更有效,促进了金融包容.
科学领域:
- 经济学 经济学 经济学
- 金融包容 金融包容 金融包容
- 社区发展 社区发展
背景情况:
- 原住民社区发展金融机构 (NCDFI) 解决了原住民社区的信贷差距.
- 非定向金融机构利用金融咨询等独特的策略来缓解贷款风险.
- 金融包容性仍然是许多土著社区面临的关键挑战.
研究的目的:
- 在 NCDFI 中实证建模消费者贷款违约风险.
- 评估NCDFI提供的金融咨询对偿还贷款的影响.
- 为了比较不同财务咨询方法的有效性.
主要方法:
- 来自一家著名的NCDFI的详细消费贷款级别数据的分析.
- 风险建模用于预测贷款违约的可能性.
- 基于咨询接触的贷款结果的统计比较.
主要成果:
- 接触NCDFI财务咨询显著降低了消费者贷款失败率.
- 个性化的财务指导比课堂式的培训更有效.
- 咨询的积极影响对于信用历史有限的借款人来说是最明显的.
结论:
- 由NCDFIs提供的金融咨询是减少贷款违约的宝贵工具.
- 与通用培训相比,定制,个性化的财务指导提供了更好的结果.
- 在本土社区的金融发展中,NCDFI部门发挥着至关重要的作用.
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