社会资本对农户信用行为影响的机理分析

发布时间：2018-06-04 11:05

本文选题：社会资本 + 农户信用行为　；参考：《财经论丛》2014年01期

【摘要】：作为农户重要资源的社会资本在农贷市场中的作用日益凸显。本文从理论上分析社会资本对农户信用行为的影响机制,结论如下:还款意愿和还款能力共同决定农户信用行为和信用状况。社会资本的制度属性和关系属性对农户还款意愿发挥激励与约束功能,其中制度属性通过监督机制、声誉机制和惩罚机制三种途径对农户还款意愿发挥着约束功能,而资本属性则通过信号传递机制和预期收益机制两种途径发挥激励功能。社会资本通过收入途径、信贷途径和风险管理途径等三种途径提升农户的还款能力。因此,金融机构可以以社会资本为突破口建立起与农户的信息沟通机制和风险控制手段。
[Abstract]:As an important resource of farmers, social capital plays a more and more important role in agricultural loan market. This paper theoretically analyzes the influence mechanism of social capital on farmers' credit behavior. The conclusions are as follows: repayment will and repayment ability jointly determine farmers' credit behavior and credit status. The institutional and relational attributes of social capital play an incentive and constraint function on farmers' willingness to repay, in which institutional attributes play a binding role on farmers' willingness to repay by means of supervision mechanism, reputation mechanism and punishment mechanism. Capital attributes play an incentive role through signaling mechanism and expected income mechanism. Social capital promotes farmers' repayment ability through three ways: income, credit and risk management. Therefore, financial institutions can take social capital as the breakthrough point to establish information communication mechanism and risk control means with farmers.
【作者单位】：上海对外经贸大学金融管理学院;
【基金】：教育部人文社科规划基金资助项目(13YJA790042) 上海市科学技术委员会基金资助项目(13ZR1418100) 浙江省自然科学基金资助项目(Y7100013) 上海市教委重点学科金融学建设基金资助项目(512-01)
【分类号】：F832.43

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