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首页> 外文期刊>Journal of Agricultural Economics >Assessing the Reliability of Self-reported Income Information in Informal Small Business Lending through a Bogus Pipeline Experiment
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Assessing the Reliability of Self-reported Income Information in Informal Small Business Lending through a Bogus Pipeline Experiment

机译：评估通过虚假管道实验的非正式小型商业贷款中自我报告的收入信息的可靠性

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摘要

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.
机译：应对非对称信息在成功的小型商业贷款中起着重要作用。我们的目的是确定小型商业申请人是否在要求贷款时正确地报告收入信息。我们使用随机对照试验虚假管道实验，在菲律宾银行的典型现金流量分析中建立。虚假管道方法通常适用于社会科学，并旨在通过通知参与者通过谎言探测器验证答复的真理率。实验数据包括主要来自农业和食品价值链的信贷客户的243个观察，用于识别不对称信息。此外，银行遵守偿还贷款的债务人还款行为。我们的研究结果表明，治疗组的贷款申请人报告收入较低，其效果最为明显，较低的地区。我们的分析还揭示了对照组的贷款欠款。

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