城乡居民个体特征、社会网络与借贷途径  

Personal Characteristics,Social Network and Borrowing Ways of Urban and Rural Residents

作　　者：朱蓉[1] 曹丽卿 Zhu Rong;Cao Liqing(School of Business,Beijing Technology and Business University,Beijing 100048)

机构地区：[1]北京工商大学商学院,北京100048

出　　处：《金融发展研究》2018年第3期68-74,共7页Journal Of Financial Development Research

基　　金：国家自然科学基金面上项目"中国企业创业中制度缺失与战略反应的研究"(71372157);北京市社会科学基金青年项目"制度创业视角的北京互联网金融发展研究"(17GLC072);北京工商大学国家两科基金培育项目"企业组织印记与创业绩效"(LKJJ2017-04)

摘　　要：金融可获得性对于鼓励城乡居民借款进而刺激消费具有重要作用。城乡居民借贷作为家庭消费金融意识和需求的体现而备受关注。以2014年中国家庭追踪调查(CFPS)的13946个中国家庭入户调研数据为样本,运用logistic模型分析了中国城乡居民个体特征、家庭特征和社会网络对借贷途径(银行贷款、亲友及民间借款)的影响。研究发现:(1)户主年龄、家庭资产和家庭规模对银行贷款和亲友及民间借款都有显著影响;(2)户主学历对银行贷款具有显著正向影响,对亲友及民间借款基本没有影响;(3)农村家庭对借款的需求较大,比城市家庭获得更多银行和亲友借款;(4)社会网络对银行贷款和亲友及民间借款都产生了重要作用。Financial availability plays an important role in encouraging urban and rural residents to borrow and then stimulates consumption.As a manifestation of family financial awareness and demand,urban and rural residents borrowing have attracted extensive attention.Based on the survey data of 13946 Chinese family household survey datum of China Family Panel Survey(CFPS)in 2014,this paper uses logistic model to analyze the influence of personal characteristics and social network on the borrowing ways(bank loans,relatives,friends and private borrowing)of Chinese urban and rural residents.The study gets four findings.First,the head of household's age,family assets and size have significant influence on bank loans,relatives,friends and private borrowing.Second,the head of household's education has a significantly positive impact on bank loans,while has no effect on relatives,friends and private borrowing.Third,rural families have a greater demand of borrowing,and have more access to banks,relatives,friends and private borrowing than urban families.Finally,social network has played a significant role in getting bank loans,relatives,friends and private borrowing.

关 键 词：个体特征 社会网络 借贷途径 城乡居民 

分 类 号：F830[经济管理—金融学]