社会资本、异质性风险偏好影响农户信贷与保险互联选择研究  

Impact of Social Capital and Heterogeneity Risk Preferences on Farmers' Inter-Linked Credit and Insurance Choice

作　　者：许承明[1,2] 张建军[2] 

机构地区：[1]南京财经大学 [2]南京农业大学经济与管理学院

出　　处：《财贸经济》2012年第12期63-70,共8页Finance & Trade Economics

摘　　要：本文研究农户选择信贷与保险互联的影响因素,采用江苏、湖北两省的农户调研数据,基于有序Probit模型进行实证检验,结果表明:一是影响因素中,风险偏好、财务自由度、地区变量呈正向作用,农户信息变量、教育程度、社会资本变量起负向作用,激励农户主动参与信贷与保险互联的关键在于培养其"企业家精神",提高其风险识别能力;二是信贷与保险互联存在着自我稳定机制,即农户财务自由度与获取信息能力达到一定程度,农户会自动脱离互联机制,从而有效降低了逆向选择风险。以上结论可为深化农业信贷与保险互联提供理论依据与政策建议。This article studied factors impacting insurance program, employing empirical test of farmers＇ choice of the inter-linked credit and the ordered Probit model. The results showed that： （1）Firstly, risk attitudes, financial freedom and the region variables play positive roles, while information acquire ability , education level and social capital variables of rural households play negative roles. Thus, to encourage the farmers to take the initiative to participate the government-led inter-linked credit and insurance program, the key element is to improve the risk identifying ability of farmers; （2）Secondly, there＇s build-in self-stabilizing mechanism in inter- linked credit and insurance program, which means, when farmers financial freedom and information acquire ability reaches to a certain level, they would automatically depart from the program, thus reducing the risk of adverse selection. These conclusions would help to provide recommendations for the deepening of inter-linked credit and insurance program.

关 键 词：信贷与保险互联 社会资本 有序PROBIT模型 异质性风险偏好 

分 类 号：F832.43[经济管理—金融学] F842F224