农户分化、社会网络资本与信贷配给——基于陕西与山西农户调查数据的验证  

Rural Household Differentiation,Social Capital and Credit Allocation——Based on the Survey Data Verification of Farmers in Shaanxi and Shanxi

作　　者：牛晓冬 罗剑朝[2] 牛晓琴 NIU Xiao-dong;LUO Jian-chao;NIU Xiao-qin

机构地区：[1]西北政法大学经济学院 [2]西北农林科技大学经济管理学院 [3]上海应用技术大学经济管理学院

出　　处：《农村金融研究》2020年第9期3-10,共8页Rural Finance Research

基　　金：2018年教育部人文社会科学研究青年基金项目“新时期西北地区金融扶贫模式、效果评价与支持政策研究”(编号:18YJC790120);2018年陕西省教育厅专项科研计划项目“陕西省农村承包土地经营权抵押贷款的减贫增收效果研究”(编号:18JK0802);2019年度西北政法大学经济学院科研项目“陕西省农村金融扶贫可持续性条件、体制和机制研究”(编号:19XYKY14)的研究成果。

摘　　要：文章使用1586个农户微观数据,基于农户分化视角,就社会网络资本对农户信贷配给的影响及其稳健性做了实证检验,发现传统农户更多受完全数量信贷配给影响,而新型农业经营主体更多受部分数量和交易成本型信贷配给影响;社会网络资本可有效降低农户受到的信贷配给问题,但在新型农业经营主体和传统农户之间存在差异:社会网络资本可有效降低传统农户的供给型和需求型信贷配给,但在降低新型农业经营主体的供给型信贷配给的同时却增加了其需求型信贷配给;因此,建议对辖区农户进行分类管理,发挥社会网络资本的保障功能,避免由此产生"人情贷款",从而降低农户信贷配给.This article uses micro-data of 1586 farm households to empirically test the impact of social network capital on credit allocation from farm household,and then conduct robusteness test.The empirical result shows that traditional farm households are more oriented to full-quantity credit allocation,while new agriculture Business entities are more willing to accept partial quantity and transaction cost credit allocation.This differentiation results from social network capital which can effectively reduce the credit allocation by farmers,but there is significant difference between new agricultural business entities and traditional farmers:social network capital can effectively reduce the supply of credit allocation from traditional farmers and demand-oriented credit rationing and increse demand-oriented credit allocation.Therefore,farmers should be classified and managed in their jurisdiction,which guarantees the effectiveness of social network capital and avoids fovor loans.

关 键 词：农户分化 供给型信贷配给 需求型信贷配给 社会网络资本 

分 类 号：C912.3[经济管理] F327[社会学] F832.43