女性家庭决策赋权与农户借贷行为——基于CFPS的实证研究  

Women’s Empowerment in Family Decision-making and Farmers’ Lending Behavior——Empirical Research Based on CFPS

作　　者：陈秋月 董晓林 CHEN Qiuyue;DONG Xiaolin

机构地区：[1]南京农业大学金融学院,南京210095

出　　处：《农业技术经济》2020年第12期94-108,共15页Journal of Agrotechnical Economics

基　　金：国家自然科学基金面上项目“金融科技背景下农村金融机构数字化发展与普惠效应研究”(编号:72073067);国家自然科学基金面上项目“中国农村数字金融的发展机制和效应:基于实验经济的研究”(编号:71973064)。

摘　　要：近年来,女性地位的提高带来家庭决策模式的转变,女性在家庭中逐渐被赋予更多决策权。由于性别差异的存在,女性家庭决策赋权程度的提高会对家庭决策特征以及行为产生影响。本文基于性别差异视阈,结合相关理论与家庭联合决策模型,探究女性家庭决策赋权程度对农户借贷行为的影响,并运用2014年中国家庭追踪调查数据(CFPS)进行实证检验。研究表明,女性家庭决策赋权程度对农户参与信贷市场的概率以及参与正规信贷市场的程度都有显著的负向影响;进一步地,在考虑女性人力资本的情况下,受教育水平较高的女性被赋予更多家庭决策权对于家庭参与信贷市场以及参与正规信贷市场程度的抑制作用并不显著,但相对受教育水平较低的女性被赋予更多家庭决策权则会对农户参与信贷市场,以及正规信贷参与程度都有显著的负向影响。本文的研究对增进了解中国农村家庭内部两性的决策权和经济资源配置方式、注重提高农村女性教育水平与金融素养、促进农户理性借贷决策具有借鉴意义,同时从理论上进一步拓展家庭决策理论研究。In recent years,the advancement of women’s status has brought about a change in the family’s decision-making model,and women are gradually given more decision-making power in the family.Due to the existence of gender differences,the increase of women’s empowerment in family decision-making will have an impact on family decision-making characteristics and behavior.Based on the perspective of gender differences,this paper combines gender relationship theory,risk preference theory,self-efficacy theory,and family joint decision-making model,and uses the decision-making model between husband and wife as the research entry point to explore the extent of women empowerment in household decision-making on farmers’lending behavior.By conducting an empirical test using the 2014 China Family Panel Studies Data(CFPS),studies have shown that:in family decision-making,the degree of women’s empowerment has a significant negative impact on the probability of farmers’participation in the credit market and the degree of participation in the formal credit market;furthermore,taking women’s human capital into account,highly educated women are given more family decision-making power,which has no significant inhibitory effect on family participation in the credit market and the formal credit market.But when women with relatively low education levels are given more family decision-making power to participate in credit,it will have significant negative effects on the participation in the credit market and the formal credit market.The research is of great significance for improving understanding of the decision-making power and economic resource allocation of the gender within the rural households in China,focusing on improving the education level and financial literacy of rural women,and promoting rational lending decision-making in the family,while further theoretically expanding the research on family decision-making theory.

关 键 词：女性赋权 农户信贷行为 家庭决策 性别差异 

分 类 号：C913.68[经济管理] F832.43[社会学]