农村民间金融组织的稳定性和脆弱性研究——基于社会网络的研究视角  

A Study of the Stability and Vulnerability of the Rural Nongovernmental Financial Institutions:Based on Social Network Theory

作　　者：刘景东[1,2] 

机构地区：[1]安徽大学商学院,安徽合肥230601 [2]安徽大学创新管理研究中心,安徽合肥230601

出　　处：《金融经济学研究》2016年第4期118-128,共11页Financial Economics Research

基　　金：安徽省教育厅项目(SK2013B555);安徽省社会科学创新发展研究课题资助项目(A2015014);安徽大学博士科研启动经费项目;合肥市软科学项目(2015-02)

摘　　要：基于安徽农村1042户农户的调研数据,利用社会网络理论,从农户的借款难易程度和能否借到款项两个方面研究了农村民间金融组织的稳定性和脆弱性问题。发现农户之间的网络对促进农户之间的信任、降低借贷过程的成本,进而提升借贷水平,保障借贷的顺利进行等方面都起到重要的作用,同时随着网络规模的扩大,农户之间信任水平的降低,成本增高,反而不利于农村民间金融网络组织的持续稳定发展。Based on the social network theory, and by adopting data collected from 1042 households in rural area of Anhui, this paper investigates into the stability and vulnera- bility of rural nongovernmental financial institutions by a systematic analysis of the network scale and the trust between farmers and the cost of borrowing. The results show that the net- work among farmers plays an important role in promoting the trust between farmers, reducing the borrowing cost, thereby enhancing the level of borrowing, ensuring the smooth progress of the loan and so on. But with the expansion of the network, the trust between farmers may de- crease and the cost may increase and then the stability of the development of rural nongov- ernmental financial institutions may be influenced.

关 键 词：社会网络 民间金融 稳定性 脆弱性 

分 类 号：F832.35[经济管理—金融学]