两个巴西城市的信贷配给和种族问题

Q1 Social Sciences

Review of Black Political Economy Pub Date : 2023-04-18 DOI:10.1177/00346446231168808

M. Paixão

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引用次数: 0

摘要

本文分析了巴西里约热内卢和萨尔瓦多两个城市的个人微型企业家（MEI）获得商业信贷的情况，按肤色或种族划分。这项研究的中心假设是，肤色或种族是两个城市信贷配给的重要预测因素。然而，解释信贷审批差异的最关键变量主要与信贷风险操作有关——逆向选择、道德风险和抵押品——如预测因子所示：贷款规模和信贷限制（与信贷审批几率呈负相关）。贷款业务所在的城市具有强大的解释力，里约热内卢的信贷比萨尔瓦多更容易获得。商业信贷市场上种族歧视的证据并不是所有的非裔巴西MEI都受到影响，但与白人和棕色人种MEI相比，黑人受到影响。贷款人可以根据肤色歧视模式对待潜在借款人，这一问题在里约热内卢表现得更为明显。建议在这一领域进行进一步的调查，最好是有更大的样本和覆盖巴西所有国内领土的调查。

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Credit Rationing and Race in Two Brazilian Cities

This paper analyzes a survey of individual microentrepreneurs’ (MEI) access to credit for business, broken down by their color or race in two Brazilian cities: Rio de Janeiro and Salvador. The central hypothesis of this study was that color or race is a significant predictor for credit rationing in both cities. However, the most crucial variables to explain the difference in credit approval were primarily related to credit risk operation—adverse selection, moral hazard, and collateral—as expressed by predictor: loan size and credit restriction (inversely correlated to odds of credit approval). The city of the loan operation had a robust explanatory power, with credit more accessible in Rio de Janeiro than in Salvador. Evidence of racial discrimination in the credit markets for business affected not all Afro-Brazilian MEI but blacks compared with white and brown MEI. Lenders could treat potential borrowers based on a pigmentocratic pattern, with this issue appearing more clearly in Rio de Janeiro. Further inquiries in this realm are recommended, preferably with a larger sample and a survey covering all Brazilian domestic territory.

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来源期刊

Review of Black Political Economy Social Sciences-Cultural Studies

CiteScore

2.80

自引率

0.00%

发文量

期刊介绍： The Review of Black Political Economy examines issues related to the economic status of African-American and Third World peoples. It identifies and analyzes policy prescriptions designed to reduce racial economic inequality. The journal is devoted to appraising public and private policies for their ability to advance economic opportunities without regard to their theoretical or ideological origins. A publication of the National Economic Association and the Southern Center for Studies in Public Policy of Clark College.