社会资本对农户借贷行为影响的实证研究——基于八省1003个农户的调查数据

发布时间：2019-05-05 16:22

【摘要】：缺乏必要的金融支持是制约农民增收和农业发展的关键问题。本文将农户借贷行为分解为两个层次——有效借贷机会与实际借贷额度,基于八省1003个农户的实地调查数据,建立计量经济模型考察了社会资本对农户借贷行为的影响。实证分析结果发现:社会资本变量中,政治关系和邻里关系仅对农户有效借贷机会具有显著影响,农民专业合作组织关系和正规金融机构关系对农户有效借贷机会与实际借贷额度均具有显著影响,而亲戚关系的影响不显著;此外,农户文化程度、外出打工经历、专业技能、借贷信誉、家庭收入、家庭固定资产等特征变量也显著影响其借贷行为。社会资本在解决农户融资难问题方面起着重要作用,这对于培育本土化的农村金融力量,拓展农村金融改革路径,具有积极的理论指导和实践价值。
[Abstract]:The lack of necessary financial support is the key to restricting farmers' income and agricultural development. Based on the field survey data of 1003 farmers in eight provinces, this paper analyzes the impact of social capital on rural households' lending and lending behavior, which is divided into two levels-effective lending opportunity and actual lending quota, which are divided into two levels: the effective lending opportunity and the actual lending amount. The results of empirical analysis show that: in the social capital variables, political relations and neighborhood relations only have a significant impact on farmers' effective lending opportunities. The relationship between farmers' professional cooperative organizations and formal financial institutions has a significant impact on farmers' effective lending opportunities and the actual amount of loans, but the influence of relatives is not significant. In addition, farmers' educational level, working experience, professional skills, credit, household income, household fixed assets and other characteristic variables also significantly affected their lending behavior. Social capital plays an important role in solving the problem of farmers' financing, which has positive theoretical guidance and practical value for cultivating the localization of rural financial forces and expanding the path of rural financial reform.
【作者单位】：南京农业大学农村金融发展研究中心、经济管理学院;南京财经大学国际经贸学院;江苏现代服务业研究院;
【基金】：国家自然科学基金项目(70973055) 教育部人文社会科学研究青年基金项目(09YJC790140) 江苏省教育厅高校哲学社会科学研究项目(2010SJD790011) 江苏高校优势学科建设工程资助项目江苏现代服务业研究院专项科研基金项目的资助
【分类号】：F832.4

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