Agricultural Workers, Credit Rationing and Family Networks in Rural Mexico
利用墨西哥农户一手数据，结合定量与定性方法，发现农业工资就业家庭面临正规信贷配给，但家庭网络通过非正式安排缓解了这一问题。
We use mixed methods and first-hand household data in Mexico to investigate credit practices by households engaged in agricultural wage employment. Quantitative analysis shows evidence of rationing in the formal sector but also suggests the existence of mitigating mechanisms. Qualitative analysis provides additional insights. First, income patterns associated with agricultural wage generate income smoothing needs that are sometimes better met by the informal sector. Second, family networks can perform key functions as gateways to the formal sector, through specific informal arrangements that inject flexibility into formal rules and procedures.