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英文文献：Going Digital: Computerized Land Registration and Credit Access in India-走向数字化:计算机化的印度土地注册和信贷获取
英文文献作者：Deininger, Klaus W.,Goyal, Aparajita
英文文献摘要：
Despite strong beliefs that property titling and registration will enhance credit access, empirical evidence in support of such effects remains scant. The gradual roll-out of computerization of land registry systems across Andhra Pradesh’s 387 sub-registry offices (SROs) allows us to combine quarterly administrative data on credit disbursed by all commercial banks for a 11 year period (1997-2007) aggregated to the SRO level with the date of shifting registration from manual to digital. Computerization had no credit effect in rural areas but led to increased credit-supply in urban ones. A marked increase of registered urban mortgages due to computerization supports the robustness of the result. At the same time, estimated impacts from reduction of stamp duty are much larger, suggesting that, without further changes in the property rights system, impacts of computerization will remain marginal.
尽管人们强烈认为产权和登记将提高信贷准入，但支持这种效果的经验证据仍然很少。电算化的逐步转出土地登记系统在安得拉邦的387 sub-registry办公室(自律)让我们结合季度行政数据由所有商业银行信用支付11年期间(1997 - 2007)“聚合的SRO”水平的转移登记日期从手工到数字。计算机化在农村没有产生信贷效应，但在城市却增加了信贷供给。由于计算机化，城镇抵押贷款登记数量显著增加，支持了结果的稳健性。与此同时，预计印花税下调的影响要大得多，这表明在产权制度没有进一步改变的情况下，电脑化的影响仍将是微不足道的。
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