社会网络视角下我国农户家庭借贷行为研究  

The Borrowing Behaviors of Peasant Households from the Perspective of Social Network

作　　者：周晨[1] 余皓洁 

机构地区：[1]湖南农业大学园艺园林学院,湖南长沙410128 [2]湘潭大学商学院,湖南湘潭411105

出　　处：《湘潭大学学报（哲学社会科学版）》2017年第5期77-82,161,共7页Journal of Xiangtan University:Philosophy And Social Sciences

摘　　要：运用2012年中国家庭追踪调查数据(CFPS),采用logistic模型、tobit模型分别分析社会网络对农户家庭获得借贷的可能性及贷款额度的影响。研究结果表明,社会网络对我国农户家庭借贷行为具有显著正向作用。其中,强社会网络关系对农户家庭得到贷款的可能性具有显著的正向影响,但对获得的贷款额度并不显著;而弱社会网络关系对农户家庭得到贷款的可能性及借款额度都有显著的正向影响。当分别考察社会网络对不同渠道借贷活动的影响时发现,在正规渠道中起主导作用的是弱社会网络关系,非正规渠道中起主导作用的是强社会网络关系。This paper analysed the influences of social network on the availability and the amount of loan obtained by peasant households,using data from the 2012 Chinese Family Panel Studies(CFPS).The statistical analysis was performed by logistic model and tobit model respectively.The results show that social network has significant positive effect on borrowing behaviors of peasant households.Among them,strong social network has significant positive influence on the possibility of getting a loan,but has no significant influence on the loan amount.On the other hand,weak social network has significant positive effect on both the possibility of getting loan and loan amount.When investigating the influence of social network on borrowing through different channels,we find that weak social network mainly affects borrowing through formal channels,while strong social network mainly affects borrowing via informal channels.

关 键 词：社会网络 农户家庭借贷行为 强社会网络关系 弱社会网络关系 

分 类 号：F832.43[经济管理—金融学]