社会资本和金融认知对农户融资行为的影响  

Impacts of Social Capital and Financial Cognition on Farmers' Financing Behaviors

作　　者：何雪雯 张永辉[1,2] 朱文璠 刘军华 HE Xuewen;ZHANG Yonghui;ZHU Wenfan;LIU Junhua(College of Economics and Management, Northwest A&F University, Yangling, Shaanxi 712100;Theoretical Economics Doctoral Research Center/International Business School,Shaanxi Normal University,Xi'an,Shaanxi 710119)

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100 [2]陕西师范大学国际商学院理论经济学博士后科研流动站,陕西西安710119

出　　处：《北方园艺》2019年第6期179-186,共8页Northern Horticulture

基　　金：国家自然科学基金青年资助项目(71203182)

摘　　要：社会资本体现农户社会关系和交往能力,金融认知反映农户金融信息获取和加工能力。结合陕西农户家庭调查数据,运用Logit模型实证考察社会资本和金融认知对农户融资行为的影响,以期剖析农户融资行为差异性的内在机理。结果表明:友缘社会资本促进农户融资,而亲缘社会资本抑制农户融资,金融政策认知有利于农户融资,而金融便利认知阻碍农户融资。另外,户主年龄对融资行为的影响呈倒"U"型,其拐点在52岁。为此,应着力于培育农户社会资本,宣传金融知识并提高金融支农力度。Social capital embodies rural households′social relations and communication capabilities,and financial cognition reflects the ability of rural households to obtain and process financial information.Based on family survey of Shaanxi farmer data,the Logit model was used to empirically examine the impact of social capital and financial cognition on the financing behaviors of rural households.In order to analyze the internal mechanism of the differences in farmers′financing behaviors.The study concluded that friendship margin social capital promotes the financing behaviors of rural households,and kinship social capital inhibits the financing of rural households.What′s more,the recognition of financial policies is conducive to the financing behaviors of rural households,while the financial convenience recognition hinders the financing behaviors of rural households.In addition,the age of the head of the household has an inverted’U’shape for its financing behaviors,with the turning point at52 years old.To this end,cultivating farmers′social capital,promoting financial knowledge and improving financial support for agriculture should be mentioned.

关 键 词：融资行为 农户 社会资本 金融认知 LOGIT模型 

分 类 号：F323.9[经济管理—产业经济]