社会互动对家庭借贷行为影响的实证分析  

The Empirical Analysis of the Impact of Social Interaction on Behavior of Household Borrowing

作　　者：饶育蕾[1] 吴玥[1,2] 朱锐[3] 

机构地区：[1]中南大学商学院,长沙410083 [2]上海城投置地(集团)有限公司,上海200438 [3]长沙理工大学经济与管理学院,长沙410114

出　　处：《软科学》2016年第9期140-144,共5页Soft Science

基　　金：国家自然科学基金项目(71372063;71301169)

摘　　要：基于2010年中国综合社会调查数据,利用社会互动影响家庭借贷行为的不同理论,从社会互动对城市和农村地区家庭借贷行为、家庭借贷渠道等视角对社会互动对家庭借贷行为影响进行实证分析。结果表明:家庭成员的社会互动正向显著推动家庭借贷行为,并且对城市家庭的影响大于农村家庭。同时,对家庭从正规金融机构获取贷款的行为影响更大,社会互动对城市家庭从民间借贷影响大于从正规金融机构借贷的影响,而对农村家庭的两种借贷行为影响则相反。Based on different areas and different borrowing channels of household finance literature, this paper empirically analyzes the impact of social interaction on behavior of household borrowing, by the Chinese General Social Survey data of 2010. Results show that, social interaction has significant positive correlation with household borrowing behavior, and this phenomenon is more significant in urban family than rural family. Moreover, social interaction has significant impact on private lending channel than bank channel in urban area, but has opposite impact on both channels in rural area.

关 键 词：社会互动 家庭借贷行为 银行贷款 民间借贷 

分 类 号：F830.5[经济管理—金融学]