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數字金融Workshop：Information Frictions and Take-up of Government Credit Programs

發(fā)布日期：2024-06-11 12:00    來(lái)源：

2024年6月11日 數字金融Workshop

第十五講Information Frictions and Take-up of Government Credit Programs

時(shí)間/Time： 6月11日 周二 北京時(shí)間下午 14:00-15:30

Tuesday 11 June 2024, 14:00-15:30 p.m.

地點(diǎn)/Venue：

線(xiàn)下：北京大學(xué)國家發(fā)展研究院承澤園校區131教室

線(xiàn)上：ZOOM會(huì )議（會(huì )議號: 897 2560 1400  密碼: 938759）

主講人/Speaker：  Jacopo Ponticelli

主持人/Host：     胡佳胤 Jiayin Hu

Abstract

Most governments in developing countries offer subsidized credit programs to the agricultural sector. We document that farmers often lack information on how these programs work, their eligibility criteria and loan terms offered. We study the impact of information frictions on credit take-up by exploiting plausibly exogenous variation in the construction of new mobile phone towers in rural areas of India without previous mobile phone coverage. Areas

receiving coverage experience higher take-up of agricultural credit. The effects are concentrated in short-term credit to small farms, which have been the target of a major government subsidized credit program, the Kisan credit cards.

主講人介紹/Biography:

Jacopo Ponticelli joined Kellogg School of Management in 2017 as an Associate Professor of Finance. He is an applied economist who primarily studies corporate finance and development economics, with a particular focus on firms in developing countries and the role played by financial markets and institutions in the process of economic development. His work has been published in top economics and finance journals, including the American Economic Review, the Quarterly Journal of Economics, the Journal of Financial Economics and the Review of Financial Studies. Before joining the Kellogg School of Management, he served as an Assistant Professor of Finance and Cohen and Keenoy Scholar at the University of Chicago Booth School of Business. Professor Ponticelli holds a PhD in Economics from the Universitat Pompeu Fabra (Spain).


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