家庭禀赋对农户借贷途径影响的实证分析  

The study on the influence factors of family endowment on rural households' borrowing ways

作　　者：严予若[1] 郑棣[2] 陆林[1] 

机构地区：[1]西南财经大学中国西部经济研究中心 [2]西南财经大学金融学院

出　　处：《财经科学》2016年第9期100-111,共12页Finance & Economics

摘　　要：本文基于2012年中国劳动力动态调查数据,研究家庭禀赋对农户借贷途径的影响。研究结果表明,不同禀赋要素,对农户借贷途径的影响不同,具体表现为人力资本越丰富,越有利于获得非正规金融借贷。经济资本丰富的农户,其融资需求很难被非正规金融机构借贷满足,转而向正规金融机构借贷。社会资本丰富的农户,通过"人脉"可以更容易获得正规金融机构借贷。以土地为代表的自然资本正向作用于正规金融机构借贷。因此,在城镇化过程中,政府应该重点针对正规金融与民间金融采取不同的金融政策,使得农户在不同的家庭禀赋条件下能够适应相应的金融环境。Based on the data of China Labor- force dynamic survey （CLDS） in 2012, This study is aimed at studying the in- fluencing factors of family endowment on rural households＇ borrowing ways. The results show that different factors of the family endowment has different influence on rural households＇ borrowing ways. Specifically, the more abundant human capital is more beneficial to access to informal financial loans. For the rural household with abundant economic capital, their financing needs are difficult to be met by informal financial loans, so they turns to formal financial loans. For the rural household with abundant social capital, it＇ s easier for them to get loans from formal financial institutions through the network of interpersonal relation- ship. The natural capital which represented by the land has positive effect on borrowing from formal financial institutions. Therefore, in the process of urbanization, the $ovemmem should focus on the formal finance and private finance to adopt differ- ent financial policies, so that the rural households can adapt to the corresponding financial environment in different family en- dowment.

关 键 词：家庭禀赋 农户借贷途径 正规金融 非正规金融 

分 类 号：F325.15[经济管理—产业经济] F302.6