社会网络对农户正规信贷的影响——基于双变量Probit模型和SEM模型的证据

发布时间：2019-04-23 08:22

【摘要】：本文使用北京大学国家发展研究院于2009年开展的"中国农村金融调查"专项入户调研数据,采用需求可识别双变量Probit模型和联立方程组模型(SEM),分别从村级层面和家庭层面两个维度,研究社会网络对农户正规信贷的影响,研究发现:第一,无论控制内生性与否,家庭层面社会网络对农户的正规信贷需求和供给都有显著的正向影响,也就是说,在农村信用体系建设尚不完善的背景下,家庭层面社会网络是正规金融机构衡量其信用以及确定是否放贷的一个重要因素;第二,村级层面社会网络对农户的正规信贷需求和供给有显著正向影响。农业合作社作为一种新型的农业组织形式,不仅在促进农业现代化方面发挥了重要作用,而且在村级社会网络的形成和村级信用体系建设方面也发挥了重要作用。充分发挥社会网络在农村金融市场中的作用,将有助于深化农村金融体系改革。
[Abstract]:This paper uses the data of "China Rural Finance Survey" conducted by the National Development Institute of Peking University in 2009, and adopts the demand identifiable bivariate Probit model and simultaneous equations model (SEM),. From the two dimensions of village level and family level respectively, this paper studies the influence of social network on farmers' formal credit. Firstly, whether it controls endogeny or not, The social network at the family level has a significant positive impact on the demand and supply of rural households' formal credit. That is to say, under the background of the imperfect construction of the rural credit system, Social networks at the household level are an important factor in the measurement of their credit and in determining whether to lend or not by formal financial institutions; Second, village-level social networks have a significant positive impact on farmers' demand and supply of formal credit. As a new form of agricultural organization, agricultural cooperatives not only play an important role in promoting the modernization of agriculture, but also play an important role in the formation of social networks at the village level and the construction of the credit system at the village level. Giving full play to the role of social network in rural financial market will help to deepen the reform of rural financial system.
【作者单位】：浙江工业大学经贸管理学院;对外经济贸易大学国际经济贸易学院;中国社会科学院经济研究所;
【基金】：浙江省自然科学基金“基于新型农业经营主体的供应链融资机制及绩效研究”(LQ16G030015) 国家自然科学基金青年项目“新型农业经营主体供应链融资模式、利益分配机制和绩效研究”(71603238);国家自然科学基金农林经济管理学科群重点项目“农业产业组织体系与农民合作社发展”(71333011);国家自然科学基金青年项目“基于村庄选举和宗族相结合视角的农户投资融资行为研究”(71303046);国家自然科学基金面上项目“中国农村公共品供给研究:基于传统宗教、宗族及其交互机制的分析”(71773014) 对外经济贸易大学中央高校基本科研业务费专项资金项目“信仰的力量:传统宗教与村庄治理”(16YQ01)
【分类号】：F832.43

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