社会资本、文化习俗与农户民间借贷行为研究——基于广东省的微观调查数据  

Social Capital,Cultural Customs and the Non-governmental Lending Behavior of Farmers:Survey Data of Guangdong Province

作　　者：陈亮[1] 顾乃康[1] Chen Liang Gu Naikang(Management College, Sun Yat -sen University, Guangzhou 510080, China)

机构地区：[1]中山大学管理学院,广东广州510080

出　　处：《金融经济学研究》2016年第6期115-126,共12页Financial Economics Research

基　　金：国家自然科学基金项目(71272203);中国博士后基金资助项目(2016M592556)

摘　　要：广东省农村主要流行三种文化:广府文化、潮汕文化和客家文化。通过构造二值响应变量Logistic回归模型与对数线性回归模型,对来自三个不同文化区域的549个农户微观调查数据进行实证研究的结果表明,农户自身及其家庭特征对其民间借贷行为影响较弱,而宗亲血缘型社会资本、地缘区位型社会资本、声誉口碑型社会资本与政治身份型社会资本等则不仅影响农户获得民间借贷的机会,更影响借贷的金额。进一步,按照三种不同文化习俗将549个农户构成的全样本拆分为三个子样本再次实证检验,发现广府文化习俗下声誉口碑型社会资本与政治身份型社会资本对农户民间借贷行为有显著影响,客家文化习俗下宗亲血缘型社会资本成为影响民间借贷行为的主要因素,而潮汕文化习俗下地缘区位型社会资本成为影响民间借贷的主要因素。There are three popular rural cultures in Guangdong Province：Cantonese culture, Chaoshan culture and Hakka culture. In this paper, we construct binary response variable logistic regression model and logarithmic linear regression model and do an empirical analysis based on micro-survey data of 549 households from three different cultural regions. The results show that the household and household characteristics have little influence on private lending behavior while the four different social capitals - clan blood social cap- ital, geopolitical social capital, reputation social capital and political identity social capital - not only affect the opportunity for farmers to get private lending, but also affect the amount of loans. Furthermore, we divide the whole sample of 549 farmers into three sub - samples according to different cultural practices. We then find that reputation social capital and political identity social capital have significant influence on farmers＇ private lending behavior in Cantonese culture, clan blood social capital has significant influence on farmers＇ private lending behavior in Hakka culture ,while geopolitical social capital has significant influence on farmers＇private lending behavior in Chaoshan culture.

关 键 词：社会资本 文化习俗 农户 民间借贷 

分 类 号：F832.43[经济管理—金融学]