社会资本对农户借贷行为影响的实证研究--基于八省1003个农户的调查数据  

An Empirical Analysis on the Effect of Social Capital on Rural Households' Credit Behavior:the Evidence from 1003 Rural Households in China's Eight Provinces

作　　者：童馨乐[1,2,3] 褚保金[1,2,3] 杨向阳[1,2,3] 

机构地区：[1]南京农业大学农村金融发展研究中心,经济管理学院,江苏南京210095 [2]南京财经大学国际经贸学院 [3]江苏现代服务业研究院,江苏南京210046

出　　处：《金融研究》2011年第12期177-191,共15页Journal of Financial Research

基　　金：国家自然科学基金项目(70973055);教育部人文社会科学研究青年基金项目(09YJC790140);江苏省教育厅高校哲学社会科学研究项目(2010SJD790011);江苏高校优势学科建设工程资助项目;江苏现代服务业研究院专项科研基金项目的资助

摘　　要：缺乏必要的金融支持是制约农民增收和农业发展的关键问题。本文将农户借贷行为分解为两个层次——有效借贷机会与实际借贷额度,基于八省1003个农户的实地调查数据,建立计量经济模型考察了社会资本对农户借贷行为的影响。实证分析结果发现:社会资本变量中,政治关系和邻里关系仅对农户有效借贷机会具有显著影响,农民专业合作组织关系和正规金融机构关系对农户有效借贷机会与实际借贷额度均具有显著影响,而亲戚关系的影响不显著;此外,农户文化程度、外出打工经历、专业技能、借贷信誉、家庭收入、家庭固定资产等特征变量也显著影响其借贷行为。社会资本在解决农户融资难问题方面起着重要作用,这对于培育本土化的农村金融力量,拓展农村金融改革路径,具有积极的理论指导和实践价值。This paper decomposed rural households＇ credit behavior into efficient credit opportunity and real credit quotas, and then analyzed the effect of social capital based on the survey data from eight provinces in China. The empirical results show that political and neighborhoods relationships only affect credit opportunity. And the relationships of farmers＇ specialized cooperative organizations and formal financial institutions have sig- nificant effect on both efficient credit opportunity and real credit quotas. Farmers＇ education, out-working experience, professional skills, credibility, family income and family fixed assets also have significant effect on rural households＇ credit behavior. The reform and development of China＇s rural finance should make full use of social capital in the future.

关 键 词：社会资本 农户借贷行为 有效借贷机会 实际借贷额度 

分 类 号：F832.4[经济管理—金融学]