宗族网络对家庭民间金融参与的影响和作用机制

发布时间：2018-06-07 11:41

本文选题：宗族网络 + 家庭负债　；参考：《财贸经济》2017年06期

【摘要】：宗族网络作为社会网络的一种,因中国乡土社会"差序格局"的属性而成为农村最重要和稳定的网络之一。本文采用宗族网络和家庭借款行为的独特调研数据,系统分析了宗族网络对于家庭民间金融参与的影响和作用机制。本文的研究核心在于:(1)尝试度量了宗族网络的规模和凝聚力;(2)实证检验了宗族网络对于家庭民间金融参与的影响,验证了宗族网络对于民间金融的促进作用,从宗族网络的角度解释了家庭在民间金融市场的高参与率;(3)发现了宗族网络对于民间金融借款的影响有随着户主年龄提高而增强的趋势;(4)探索了宗族网络促进家庭民间金融参与的两种作用机制,即拓宽资金来源和缩短信任半径。
[Abstract]:As a kind of social network, clan network has become one of the most important and stable networks in rural areas because of the attribute of "differential order pattern" in Chinese rural society. Based on the unique investigation data of clan network and family borrowing behavior, this paper systematically analyzes the influence and mechanism of clan network on family private financial participation. The research core of this paper is: (1) the paper tries to measure the scale and cohesion of clan network) and empirically tests the influence of clan network on the participation of family folk finance, and verifies the promoting effect of clan network on folk finance. This paper explains the high participation rate of households in the private financial market from the perspective of clan networks. It finds that the influence of clan networks on private financial borrowing has a tendency to increase with the age of heads of household. The two mechanisms of private financial participation, That is to broaden the source of funds and shorten the radius of trust.
【作者单位】：山东大学;中国农业银行总行;
【基金】：国家自然科学基金“民间金融风险:变迁、区域差异与治理研究”(71333009);国家自然科学基金“小额贷款公司系统性风险的评估与度量研究”(71273155)
【分类号】：C912.3;F832.4

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