Crop insurance's impact on commercial bank loan volumes: Theory and evidence
Crop insurance protects lenders by increasing the likelihood of loan repayment when revenue declines. We develop a theoretical mode that explains the role of crop insurance in agricultural lending and how impacts may be different for lenders that are not specialized in agricultural lending. We then...
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| Published in | Applied economic perspectives and policy Vol. 46; no. 1; pp. 318 - 337 |
|---|---|
| Main Authors | , , , , |
| Format | Journal Article |
| Language | English |
| Published |
Boston, USA
Wiley Periodicals, Inc
01.03.2024
John Wiley & Sons, Inc |
| Subjects | |
| Online Access | Get full text |
| ISSN | 2040-5790 2040-5804 |
| DOI | 10.1002/aepp.13388 |
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| Abstract | Crop insurance protects lenders by increasing the likelihood of loan repayment when revenue declines. We develop a theoretical mode that explains the role of crop insurance in agricultural lending and how impacts may be different for lenders that are not specialized in agricultural lending. We then test whether the total volume of production credit extended by commercial banks at the county level increases in response to crop insurance availability and whether the level of the response is related to bank specialization in agriculture. We use a novel difference‐in‐differences strategy based on some counties having a higher share of agricultural production that was not covered by Federal crop insurance in the 1990s. Crop insurance has a robust relationship with increased loan volumes during this period, especially in counties with fewer banks specialized in agriculture. |
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| AbstractList | Crop insurance protects lenders by increasing the likelihood of loan repayment when revenue declines. We develop a theoretical mode that explains the role of crop insurance in agricultural lending and how impacts may be different for lenders that are not specialized in agricultural lending. We then test whether the total volume of production credit extended by commercial banks at the county level increases in response to crop insurance availability and whether the level of the response is related to bank specialization in agriculture. We use a novel difference‐in‐differences strategy based on some counties having a higher share of agricultural production that was not covered by Federal crop insurance in the 1990s. Crop insurance has a robust relationship with increased loan volumes during this period, especially in counties with fewer banks specialized in agriculture. |
| Author | Kuethe, Todd H. Lyons, Gregory Schultz, Alexander Zhu, John Y. Ifft, Jennifer |
| Author_xml | – sequence: 1 givenname: Jennifer surname: Ifft fullname: Ifft, Jennifer email: jifft@ksu.edu organization: Kansas State University – sequence: 2 givenname: Todd H. surname: Kuethe fullname: Kuethe, Todd H. organization: Purdue University – sequence: 3 givenname: Gregory surname: Lyons fullname: Lyons, Gregory organization: George Washington University – sequence: 4 givenname: Alexander surname: Schultz fullname: Schultz, Alexander organization: Mercaris – sequence: 5 givenname: John Y. surname: Zhu fullname: Zhu, John Y. organization: University of Kansas |
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| SubjectTerms | Agricultural credit agricultural lending Agricultural production Agriculture Banks credit Crop insurance Crops income Insurance issues and policy loans Plant protection |
| Title | Crop insurance's impact on commercial bank loan volumes: Theory and evidence |
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