社会网络与农户借贷行为——来自中国家庭动态跟踪调查(CFPS)的证据  

Social Network and Rural Credit in China;Evidence from CFPS

作　　者：胡枫[1] 陈玉宇[2] 

机构地区：[1]北京科技大学东凌经济管理学院,北京100083 [2]北京大学光华管理学院,北京100871

出　　处：《金融研究》2012年第12期178-192,共15页Journal of Financial Research

基　　金：国家自然科学基金项目(71003005;71073002;71133003)的阶段性成果;北京大学光华管理学院县域经济和地方金融研究中心赞助;印尼哈利达集团公司的资金支持

摘　　要：本文利用2010年中国家庭动态跟踪调查(CFPS)数据研究了社会网络对农户借贷行为的影响。我们的研究结果表明,社会网络对农户获得借贷的可能性以及借贷额均具有显著的正向影响,表明中国农村地区的社会网络确实有助于农村家庭获得借贷。有意思的是,与非正规渠道借贷行为相比,社会网络似乎对正规金融机构借贷行为的影响更大。户主年龄对农户获得各类借贷可能性以及借贷额的影响为倒U形,而家庭规模、家庭劳动力数量、家庭所承包耕地数量以及"本村是否属于自然灾害频发区"均具有正向的显著影响。此外,那些户主受教育程度较低的农户以及户主为女性的农户不太容易获得正规金融机构贷款且贷款额较小,而较为富裕的农户则更可能从正规金融机构获得较多的贷款。This paper examines the impact of social network on the rural credit in China using the data of 2010 Chinese Family Panel Studies （CFPS）. Our results show that social network has positive and statistically signif- icant effects on both the access to rural credit and the amount of acquired credit. Interestingly, social network seems to play a bigger role in access to formal credit than to informal credit. The householder age has inverted U- shaped effects on both the possibility and the amount of credit, while household size, labor resources, land, and living in the village frequently hit by natural disasters all exert positive effects. In addition, those rural households with less education or female - headed households are less likely to obtain formal credit, whilst rich households tend to obtain more credit from formal financial institutions.

关 键 词：社会网络 非正规金融 农村借贷 

分 类 号：F832.43[经济管理—金融学] F224