基于社会网络视角的农户民间借贷需求行为研究

发布时间：2018-05-13 06:07

本文选题：社会网络 + 农村金融　；参考：《经济研究》2011年11期

【摘要】：本文以"2009年中国农村金融调查"81村1951户专项入户调研数据为基础,从社会网络视角考察我国农户民间借贷需求行为。研究表明:(1)社会网络越发达的农户,民间借贷行为越活跃,社会网络是农户平衡现金流、弱化流动性约束的重要手段;(2)以社会网络为基础的农户民间借贷行为是传统乡土社会的典型特点,其规模和作用随社会转型和经济发展而趋于弱化,在现有农村残缺产权条件下,以社会网络为基础的民间借贷对满足农村金融需求有积极意义,但其可持续性和稳定性都还有待进一步深入讨论。本文的研究对理解农户民间借贷需求行为、深化农村金融体制改革做了一些初步的有意义的探索。
[Abstract]:Based on the survey data of 1951 households in 81 villages in China Rural Finance Survey in 2009, this paper investigates the private lending needs of farmers in China from the perspective of social network. The study shows that the more developed the social network, the more active the folk lending behavior is. The social network is the farmers' equilibrium cash flow. The typical characteristic of the traditional rural society is the folk lending behavior based on social network. Its scale and function tend to weaken with the social transformation and economic development. Under the condition of the existing rural incomplete property rights, the folk lending based on social network has positive significance to meet the rural financial needs, but its sustainability and stability still need to be further discussed. The research of this paper has made some preliminary and meaningful exploration to understand the behavior of farmers' private loan demand and deepen the reform of rural financial system.
【作者单位】：湘潭大学商学院;北京大学城市与环境学院;中央财经大学经济学院;湘潭大学中国农村发展研究中心;
【基金】：国家自科基金项目(71003083) 国家社科基金项目(09BJL042) 教育部人文社科规划基金项目(09YJA790173) 湖南省社科基金重点项目(09ZDB132)的资助
【分类号】：F832.43;F224

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