社会资本与农民工创业融资方式选择

发布时间：2018-04-14 14:07

本文选题：社会资本 + 农民工　；参考：《华中师范大学》2014年硕士论文

【摘要】：党的十八届三中全会提出“发展普惠金融,鼓励金融创新,丰富金融市场层次和产品”的战略方针。普惠金融体系是指能有效、全方位为社会各个阶层和团体提供服务的金融体系,实际上就是让金融服务更好地支持实体经济的发展,包括支持具有高风险性的创业活动,既而促进经济增长。农民工创业是他们解决就业和脱贫致富的手段之一,创业需要足够的资金用于开创事业和流转,创业资金的筹措表面上只是一个金融问题,实质上是农民工在乡土社会的社会网络中如何汲取资源的问题。中国农村的社会网络具有明显的“差序格局”特征,农民工凭借血缘关系、姻亲关系和人情来往建立起来的社会资本对农民工创业融资方式的影响,是一个非常值得关注的问题。如何将社会资本作用于农民工乃至农户借贷行为对建设普惠金融体系具有重要的借鉴意义。本文基于全国性的农民工调查数据,从社会资本视角考察我国农民工创业融资方式问题,采用有序响应模型从三个方面对社会资本与农民工创业融资方式的关系进行了实证检验,包括：个人特征、家庭禀赋、社会资本。尤其是,本文将社会资本分为整合型社会资本、跨越型社会资本、政治资本展开分析。本文认为,社会资本对融资方式的作用机理为：农民工创业者的社会资本通过影响借贷活动中的交易成本,进而作用于创业融资方式的选择。调查结果表明,农民工创业者大部分依赖自有资金,融资渠道较少,民间借贷是仍然是农村金融市场的主流,只有少部分创业者能够获得正规金融结构的贷款,这严重制约了农民工自主创业的发展。有意思的是,实证分析结果表明,个人特征,社会资本是影响农民工创业者借贷行为的重要因素,家庭禀赋对农民工创业融资方式影响并不显著,表明内源性融资与外源性融资有较强的替代性。男性农民工相比女性农民工,第一代农民工相比新生代农民工更易获得有效的借贷,整合型社会资本、跨越型社会资本、政治资本对农民工创业者获得有效借贷有着显著的正向作用,说明社会资本在我国农村信贷市场上具有重要的作用。
[Abstract]:The third Plenary session of the 18th CPC Central Committee put forward the strategic policy of developing inclusive finance, encouraging financial innovation and enriching financial market levels and products.The inclusive financial system refers to a financial system that can effectively and comprehensively serve all sectors and groups of society. In fact, it means that financial services can better support the development of the real economy, including support for high-risk entrepreneurial activities.Thus promoting economic growth.Starting a business for migrant workers is one of their ways to solve the problem of employment and getting rich from poverty. Entrepreneurship needs enough funds to start a business and flow. The raising of venture capital is, on the surface, just a financial problem.In essence, it is the problem of how to absorb resources in the social network of rural society.The rural social network in China has the characteristic of "differential order pattern". The influence of the social capital established by blood relationship, affinity relationship and human relationship on the mode of rural migrant workers' venture financing is obvious.Is a matter of great concern.How to apply social capital to the lending behavior of peasant workers and farmers is of great significance to the construction of inclusive financial system.Based on the national survey data of migrant workers, this paper examines the financing methods of migrant workers from the perspective of social capital.The relationship between social capital and rural migrant workers' venture financing mode is tested from three aspects by using the orderly response model, including: personal characteristics, family endowment, and social capital.In particular, this paper divides social capital into integrated social capital, leapfrog social capital and political capital.This paper holds that the mechanism of social capital on financing is that the social capital of migrant workers' entrepreneurs influences the transaction cost in lending activities and then affects the choice of venture financing methods.The survey results show that most of the entrepreneurs of migrant workers depend on their own funds and have fewer channels of financing. Private lending is still the mainstream of the rural financial market, and only a few entrepreneurs can obtain loans from formal financial structures.This has seriously restricted the development of migrant workers' self-employment.Interestingly, the empirical results show that personal characteristics and social capital are the important factors that affect the lending behavior of migrant workers' entrepreneurs, and that the family endowment has no significant impact on the mode of rural migrant workers' venture financing.It shows that endogenous financing and exogenous financing have strong substitution.Male migrant workers than female migrant workers, the first generation of migrant workers than the new generation of migrant workers more easily access to effective loans, integrated social capital, social capital leapfrogging,Political capital has a significant positive effect on rural migrant workers to obtain effective loans, indicating that social capital plays an important role in the rural credit market of our country.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.6;F279.2

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