农户民间借贷需求及影响因素实证研究——基于江苏省390户农户调查数据分析  

On behaviors and factors influencing borrowing decisions in informal credit market ——A case study of 390 rural households in Jiangsu Province

作　　者：何军[1] 宁满秀[1] 史清华[2] 

机构地区：[1]南京农业大学经济管理学院,江苏南京210095 [2]上海交通大学安泰管理学院,上海200052

出　　处：《南京农业大学学报（社会科学版）》2005年第4期20-24,共5页Journal of Nanjing Agricultural University(Social Sciences Edition)

摘　　要：分析江苏省农村居民民间借贷需求及其影响因素,研究表明,江苏省农村居民的民间借贷需求形成主要依托亲情和友情两类关系,其资金用途主要为:子女教育、修建房屋和应付灾病。通过实证分析得出,影响农村居民民间借贷需求的主要因素包括:社会资本拥有量、农户家庭收入、劳动力负担程度及户主职业特征等。This paper analyzes the rural households＇ borrowing behaviors and factors influencing borrowing decisions in the informal credit market in Jiangsu province. The study indicates that most important support networks among the informal financial sources are kinships, peers, and friends, and the major outlets of borrowed money are children education, house construction, medical care and disaster relief. In addition, empirical results reveal that social capital, net income, degree of labor force loading and household operator employment are statistically significantly affecting rural households＇ informal borrowing decisions.

关 键 词：民间借贷需求 社会资本 概率单位模型 

分 类 号：F830[经济管理—金融学]