社会资本对农户借贷资金来源影响研究  

Effect of Social Capital on Sources of Rural Households ’ Credit Capital : Evidence from Survey Data in Anhui and Jiangsu Provinces

作　　者：童馨乐[1] 杨向阳[2] 

机构地区：[1]南京财经大学金融学院 [2]南京财经大学国际经贸学院,南京210046

出　　处：《西北农林科技大学学报（社会科学版）》2013年第4期74-81,共8页Journal of Northwest A&F University(Social Science Edition)

基　　金：国家自然科学基金项目(71103080);教育部人文社会科学研究青年基金项目(13YJC790133);江苏高校哲学社会科学研究重点项目(2011ZDIXM053);江苏高校优势学科建设工程资助项目(PAPD-应用经济学);江苏省教育厅高校哲学社会科学研究项目(2010SJD790011)

摘　　要：金融供给不足将直接阻碍农民收入增长,严重影响农业和农村发展,如何解决农户的融资难问题已成为未来我国农村金融改革的重要任务。使用安徽和江苏的实地调查数据,采用Logit模型分析了社会资本对农户借贷资金来源的影响。实证分析结果发现:社会资本变量中,农民专业合作组织关系、农村信用社关系和亲戚关系显著影响农户借贷资金来源,政治关系和邻里关系的影响在统计上不显著;农户及家庭特征变量中,文化程度、专业技能、借贷信誉和家庭收入等显著影响借贷资金来源;此外,贷款成本也显著影响农户借贷资金来源,而地区虚拟变量的影响在统计上不显著。Based on survey data in Anhui and Jiangsu provinces, this paper analyzes the effect of social capital on sources of rural households＇ credit capital through Logit model. From the viewpoint of social capital, the relation- ships of farmers＇ specialized cooperative organizations,rural credit cooperatives and relatives have significant effects on rural households~ credit capital sources,while the relationships of politics and neighbors are not statistically sig- nificant. Rural households＇ education, professional skill situation, credit reputation and family income have signifi- cant effects on credit capital sources. Credit cost also has significant effect,while the effect of regional dummy varia- ble is not statistically significant.

关 键 词：社会资本 农户借贷资金来源 非正规金融机构 正规金融机构 LOGIT模型 

分 类 号：F832.43[经济管理—金融学]