社会网络、同群效应及中国农户的借贷选择  

Social Network, Peer Effects and the Debit and Credit Choice of Chinese Rural Households

作　　者：周天芸[1] 张幸[1] 陈世伟[1] 

机构地区：[1]中山大学国际商学院

出　　处：《创新》2016年第2期84-95,共12页Innovation

基　　金：国家社科基金项目"完善现代农村金融制度研究"(09BJY102)

摘　　要：农户的借贷选择不仅受信贷价格、收入、用途等自身因素的影响,同时也受周围其他个体行为决策的影响,文章利用中国农村19个村落616家农户的数据,基于社会网络的视角,检验同群效应中的内生影响、外生影响、相关及直接影响,实证检验农户信贷行为所受同群效应的影响程度。结果表明,在村落层面上,个体农户选择从正式金融或者非正式金融借贷的概率受同一村落的其他农户借贷行为和决策影响。The debit and credit choice of rural households is not only influenced by credit price,income and purpose but also by others＇ decisions. Employing the data from 616 rural households in 19 villages in China, the paper, from the perspective of social network, tests the endogenous influence,exogenous influence, correlation and direct influence of peer effects. The paper also tests the extent of rural households＇ credit behavior influenced by peer effects. The result shows that on the village level the individual household＇s credit choice of financial institution or non-financial institution is influenced by other peers＇ decision.

关 键 词：同群效应 农户信贷获取 社会网络 内生影响 

分 类 号：F832.43[经济管理—金融学]