基于社会网络视角的农户民间借贷需求行为研究  

The Credit Behavior of Rural Households from the Perspective of Social Network

作　　者：杨汝岱[1,2] 陈斌开[3] 朱诗娥[4] 

机构地区：[1]湘潭大学商学院 [2]北京大学城市与环境学院 [3]中央财经大学经济学院,100081 [4]湘潭大学中国农村发展研究中心,411105

出　　处：《经济研究》2011年第11期116-129,共14页Economic Research Journal

基　　金：国家自科基金项目(71003083);国家社科基金项目(09BJL042);教育部人文社科规划基金项目(09YJA790173);湖南省社科基金重点项目(09ZDB132)的资助

摘　　要：本文以"2009年中国农村金融调查"81村1951户专项入户调研数据为基础,从社会网络视角考察我国农户民间借贷需求行为。研究表明:(1)社会网络越发达的农户,民间借贷行为越活跃,社会网络是农户平衡现金流、弱化流动性约束的重要手段;(2)以社会网络为基础的农户民间借贷行为是传统乡土社会的典型特点,其规模和作用随社会转型和经济发展而趋于弱化,在现有农村残缺产权条件下,以社会网络为基础的民间借贷对满足农村金融需求有积极意义,但其可持续性和稳定性都还有待进一步深入讨论。本文的研究对理解农户民间借贷需求行为、深化农村金融体制改革做了一些初步的有意义的探索。This paper studies the credit behavior of rural households from the perspective of social network. The study isbased on the 2009 Financial Survey in rural China covering 1951 households in 81 villages. Study first finds that rural households with larger social network are more active in terms of credit behavior. It means that social network has played a key financing instrument for rural households to balance cash flow and increase its liquidity. Second, as a traditional method to finance through social network, its importance has been decreasing with the socioeconomic development. The research contributes to the understanding of current status and future development of rural household credit behavior, and of further reforming financial system in rural China. However, the sustainability and stability of the credit behavior through the traditional social net remains a topic for future research.

关 键 词：社会网络 农村金融 农户民间借贷需求 

分 类 号：F832.43[经济管理—金融学] F224