健康冲击对农户民间借贷参与的影响——来自于CHARLS数据的经验证据  

Influence of Health Shocks on Farmers' Participation in Private Lending-Empirical Evidence from CHARLS Data

作　　者：杨青[1] 马超[2] 刘维忠[1] 

机构地区：[1]新疆农业大学经济与贸易学院,新疆乌鲁木齐830052 [2]中国人民大学经济学院,北京100872

出　　处：《贵州财经大学学报》2016年第2期80-89,共10页Journal of Guizhou University of Finance and Economics

基　　金："新疆人文社科重点基地干旱区农村发展研究中心课题"(XJEDU030114Y12)的资助

摘　　要：基于中国健康与养老追踪调查(CHARLS)2013年全国25个省份6220个农户家庭层面的样本,并运用Logit模型实证分析健康冲击对农户参与民间借贷的影响。实证结果表明:第一,不同类型的健康冲击对农户参与民间借贷的影响不同。慢性健康冲击变量对农户民间借贷参与的影响不显著,而急性健康冲击变量对农户参与民间借贷有着显著的正向影响。第二,不同健康冲击对农户民间借贷参与的影响存在年龄与婚姻状况差异。在年龄差异方面,慢性健康冲击对老年农户与中年农户参与民间借贷的影响均不显著,而急性健康冲击对中年农户参与民间借贷有着显著的正向影响,但对老年农户的影响不显著。在婚姻状况差异方面,慢性健康冲击对非婚状况与已婚状况的农户参与民间借贷的影响都不显著,而急性健康冲击对非婚状况的农户参与民间借贷没有显著影响,对已婚状况的农户参与民间借贷有着显著的正向影响。This paper,based on 6220 farmers＇ family samples of 25 provinces by China Health and Retirement Longitudinal Study（ CHARLS） in 2013 and using the Logit Model,has empirically analyzed the impact of health shocks on farmers＇ participation in private lending. The results are as follows： First,different health shocks have different effect on farmers＇ participation in private lending. The chronic health shocks have no significant influence on farmers＇ participation,but the acute health shocks have a positive impact on it. Second,the effects of different health shocks on farmers＇ participation are different in terms of age and marriage. In the respect of age difference,chronic health shocks have no influence on both the old and the middle-aged farmers＇ participation in private lending. Acute health shocks have a positive effect on the middle-aged farmers＇ participation,but no significant impact on the old farmers＇ participation. In the respect of marriage difference,chronic health shocks have no significant influence on both the married and the unmarried farmers＇ participation. Acute health shocks have no impact on the unmarried farmers＇ participation,but have a positive effect on the married farmers＇ participation in private lending.

关 键 词：慢性健康冲击 急性健康冲击 民间借贷 CHARLS 

分 类 号：F832[经济管理—金融学]