社会资本如何提升农户信用?——基于网络、信任与规范三维度的实证分析  

How does Social Capital Improve Farmers' Credit?——Based on Empirical Study on Network,Trust and Standardization

作　　者：李爱喜[1] 陈晶萍[1] 甄明昊 

机构地区：[1]上海对外经贸大学金融管理学院,上海201620 [2]中国人民大学财政金融学院,北京100872

出　　处：《财经论丛》2017年第3期49-59,共11页Collected Essays on Finance and Economics

基　　金：国家社会科学基金资助项目(14BSH136);教育部人文社科规划基金资助项目(13YJA790042);上海市科学技术委员会资助项目(13ZR1418100)

摘　　要：基于社会资本的网络、信任与规范三维度研究社会资本对农户还款意愿与还款能力的影响,以浙江省的分散农户为样本,运用结构方程模型进行实证检验。结果显示:社会资本对农户的还款意愿和还款能力均产生正向的直接影响效果。从社会资本的三个维度来看,网络的惩罚机制和声誉机制增强还款意愿,其资源属性提升农户的还款能力;信任与共享规范除了对农户的还款意愿有约束和激励作用之外,还可通过提高经济效率来提升农户的还款能力。因此,充分发挥社会资本在农贷市场的作用,可提高农户的信贷可获得性,增强金融机构为农户提供信贷的意愿和能力。Based on social capital＇s three dimensions of the network,trust and standardization,the paper analyzes social capital＇s impact on farmers＇ inclination and ability to repay by taking small-scale farmers in Zhejiang Province as samples and applying SEMs in the empirical study on its influence mechanism. The results are as follows： as an informal institution the social capital has a positive effect on farmers＇ credit behavior. In other words,social capital has positive and direct effect on farmers＇ inclination and ability to repay. From the prospective of social capital＇s three dimensions,network＇s punishment mechanism and reputation mechanism motivate farmers＇ inclination to repay and its resource attribute increases farmers＇ ability to repay; besides imposing constraint and stimulation on farmers＇ inclination to repay,trust and shared standardization promote farmers＇ ability to repay by enforcing economic efficiency. Therefore,giving full play to social capital＇s role in agricultural credit market can enhance the availability of credit and loan to farmers and strengthen financial institutions＇ willingness and abilities to offer credit and loan to farmers.

关 键 词：社会资本 农户信用 网络 信任 规范 

分 类 号：F823.35[经济管理—财政学]