社会网络资本对贫困地区农户信贷可得性影响研究  

Research on Effect of Social Network Capital on Credit Loan Availability of Rural Households in Poor Areas

作　　者：徐慧贤 张月明 斯琴图雅 Xu Huixian;Zhang Yueming;Siqintuya(College of Finance,Inner Mongolia University of Finance and Economics,Inner Mongolia Hohhot 010070,China)

机构地区：[1]内蒙古财经大学金融学院,内蒙古呼和浩特010070

出　　处：《河北经贸大学学报》2020年第2期100-108,共9页Journal of Hebei University of Economics and Business

基　　金：国家自然科学基金资助项目“贫困地区农户社会网络资本对信贷可得性影响及作用机理研究”(71662023);“草原英才”资助项目“内蒙古农村贫困地区金融供需状况调查”。

摘　　要：通过对贫困地区农户社会网络资本与信贷的统计分析,挖掘其影响机制,运用二元Logistic模型和Tobit模型,分析可得社会网络资本对信贷可能性及真实性呈显著正影响,且人情支出的作用尤其明显;户主性别、年龄、受教育程度及户主是否为党员等特征变量对信贷可能性及真实性有不同程度及方向的显著影响;家庭劳动力数量为正向影响,且影响比人口数量显著;家庭总收入及承包土地影响均显著,而经营性总资产对信贷真实性呈显著正影响,但对信贷可能性的影响并不显著。Based on the statistical analysis of the social network capital and credit of rural households in poor areas,the influence mechanism was explored,and the binary Logistic model and Tobit model were used to analyze the significant positive influence of available social network capital on the possibility and authenticity of credit,especially the effect of favor expenditure.The characteristic variables such as gender,age,education level and whether the household head is the party member have significant influences on the credit possibility and authenticity in different degrees and directions.The number of household labor force has a positive effect,which is more significant than the number of population.Household income and contracted land had significant effects,while total operational assets had significant positive effects on the authenticity of credit,but not on the possibility of credit.

关 键 词：贫困地区农户 社会网络资本 信贷可能性 信贷真实性 

分 类 号：F323.8[经济管理—产业经济] F832.4