民族地区农户关系网络与融资--基于新疆维吾尔族农户调查数据  

Rural Families Social Networks and Financing in Minority Areas: An Analysis based on Uyghur Families

作　　者：热依拉[1] 刘明[2,3] 阿依努尔[1] 

机构地区：[1]陕西师范大学国际商学院,陕西西安710062 [2]陕西师范大学西北历史环境与经济社会发展研究院,陕西西安710062 [3]陕西师范大学金融研究所,陕西西安710062

出　　处：《金融理论与实践》2015年第10期22-29,共8页Financial Theory and Practice

基　　金：国家社科基金项目(12BJY097，07BJY169)；教育部人文社会科学重点研究基地重大项目(12JJD790020)。

摘　　要：依据在新疆喀什、库尔勒、伊犁维吾尔族农村调研数据做实证观察,发现关系网络对农户融资行为有着非常重要的作用。将研究聚焦于特定社会文化与关系网络为什么以及如何影响农户融资结果,并从关系网络的视角解释了农户借贷市场二元金融结构存在的现实性。在调查分析、文献研究及访谈研究的基础上,以维吾尔族农户需求为导向,了解维吾尔族关系网络特征,阐释了关系网络作为农户最重要资源,它带来的信息效应和资本效应有助于弱化农户融资中的信息不对称,降低逆向选择与道德风险。同时,社会关系网络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。通过社会关系网络对农户抵押替代效果分析并补充了主要观点,对此提出了立足于新疆乡村实际,遵循自下而上的基本思路,政府需要果断放开非正规金融组织,因地制宜地重构农村金融机构体系的相应政策建议。In this paper, we investigate how social culture and community networks affect rural household＇ s access to credit using new investigation data from the Uyghur Family Life Surveys in rural Kashgar networks Korla and Yili in Xinjiang minority region. Our theoretical framework emphasizes social role in providing information, thus lowering the search costs of the borrower and monitoring and enforcement costs for the lender. From our empirical results, rural household networks are important in knowing a place to borrow, as well as for loan approval. Consistent with an information- based and social capital-based effect explanation of networks, rural household＇ s networks have a larger impact on credit awareness of new credit institutions with a lower impact on awareness of established credit sources. So, we start from Uyghur farmers demand-oriented, be going to understand the Uyghur network features, and based on the Xinjiang rural reality, abide by supervision from below, be encouraged to establish private financial institutions and improve the operational efficiency of rural financial markets through the benefit in the social network substitution effect.

关 键 词：关系网络 农户融资 非正规金融 替代效应 

分 类 号：F832.43[经济管理—金融学]