社会资本对农户信贷行为的影响——以甘肃省张掖市、甘南藏族自治州、临夏回族自治州为例

发布时间：2018-07-17 08:02

【摘要】：信贷作为经济发展领域的重要问题之一,备受专家学者的关注。近年来,很多专家学者发现社会资本对信贷行为有重要的影响。通过以甘南藏族自治州、临夏回族自治州和张掖市农户为例,基于入户调查资料,运用因子分析法分析了不同民族农户的社会资本,运用多项logistic回归模型,分析了社会资本对信贷行为的影响。结果显示:(1)甘南藏族自治州社会资本总得分最低为0.91,临夏回族自治州社会资本总得分为1.20,张掖社会资本总得分最高为1.26;(2)从社会资本的每个维度来看,信任、网络和规范与信贷行为发生率呈正相关关系;(3)人力资本、物质资本和金融资本对农户信贷行为发生率也有促进作用,但自然资本对农户信贷行为发生率有约束作用。
[Abstract]:As one of the important problems in the field of economic development, credit has attracted the attention of experts and scholars. In recent years, many experts and scholars have found that social capital has an important impact on credit behavior. Taking Gannan Tibetan Autonomous Prefecture, Linxia Hui Autonomous Prefecture and Zhangye City as examples, based on the data of household investigation, this paper analyzes the social capital of farmers of different nationalities by using factor analysis method, and applies multiple logistic regression models. The influence of social capital on credit behavior is analyzed. The results show that: (1) Gannan Tibetan Autonomous Prefecture has the lowest total score of social capital, Linxia Hui Autonomous Prefecture has the lowest score of 1.20, Zhangye has the highest total score of 1.26; (2) from each dimension of social capital, trust, (3) Human capital, material capital and financial capital can promote the occurrence rate of farmers' credit behavior, but natural capital can restrain the occurrence rate of farmers' credit behavior.
【作者单位】：西北师范大学地理与环境科学学院;
【基金】：国家自然科学基金项目(41361106) 教育部新世纪优秀人才支持计划(NCET-11-0910)
【分类号】：F832.43;C912.1

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