宗族网络、农村金融与平滑消费:来自中国11省77村的经验

发布时间：2018-03-08 02:24

本文选题：宗族网络　切入点：农村金融　出处：《中国农村观察》2012年01期 　论文类型：期刊论文

【摘要】：本文分析了中国村庄宗族网络对家庭平滑消费的影响,并从农村正规融资与私人融资的角度进行了解释。运用包含宗族祠堂和家谱信息的独特面板数据,本文研究发现,宗族网络的存在或其强度的增加为农村家庭提供了更完全的平滑消费;其原因是,中国农村金融机构或信用合作社相对滞后,宗族外成员也并非完全了解借款人的信用级别、风险偏好或偿还能力,宗族网络于是可被视为一种信用机制或担保机制,使得其成员能获得更多的私人融资。这些发现表明了宗族网络作为非正式制度在农村平滑消费中的重要性,并对中国农村正式制度的发展具有启示意义。
[Abstract]:This paper analyzes the impact of Chinese village clan network on the smooth consumption of households, and explains it from the perspective of rural formal financing and private financing. Using the unique panel data including clan ancestral halls and genealogical information, this paper finds that, The existence or increase in intensity of clan networks has provided rural households with more complete and smooth consumption; the reason is that China's rural financial institutions or credit cooperatives are lagging behind, and non-clan members are not fully aware of the credit rating of borrowers. Risk appetite or repayment capacity, clan networks can then be considered as a credit mechanism or guarantee mechanism, These findings indicate the importance of clan network as an informal institution in rural consumption smoothing and enlighten the development of rural formal system in China.
【作者单位】：北京大学中国经济研究中心;威斯康星大学农业与应用经济系;
【基金】：北京大学中国经济研究中心“中国农村民主和农民福利”项目
【分类号】：F832.35;C912;F323.8;F224

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