中国家庭借贷需求与借贷渠道的偏好分析--基于亲缘关系的视角  

A Study of Chinese Household Financing Demand and Financing Channel Preference--From Perspective of Kinship

作　　者：饶育蕾[1] 周湾湾 陈地强 RAO Yu-lei;ZHOU Wan-wan;CHEN Di-qiang

机构地区：[1]中南大学商学院,长沙410083

出　　处：《金融论坛》2021年第5期28-39,共12页Finance Forum

基　　金：国际(地区)合作与交流项目“互联网环境下基于行为的消费信贷问题研究”(71910107001)。

摘　　要：基于中国家庭金融调查数据(CHFS),本文实证分析亲缘关系对中国居民家庭借贷需求与借贷渠道偏好的影响。研究表明,以户主直系兄弟姐妹数量为代理变量的亲缘关系对家庭借贷需求有显著的正向影响,亲缘关系强(即兄弟姐妹个数多)的家庭更倾向于关系型借贷,亲缘关系弱的家庭更倾向于银行等机构为主的非关系型借贷,亲缘关系强的家庭因教育的摊薄效应和相对更低的学历水平,难取得非关系型借贷优势,从而产生更多关系型借贷。Based on the data from China Household Finance Survey(CHFS),this paper empirically analyzes the influence of kinship on Chinese households’financing demand and financing channel preference.It is found that the kinship,whose proxy variable is the number of direct siblings,has a significant positive impact on Chinese households’financing demand;households with strong kinship(i.e.more siblings)tend to borrow money through relationship lending;households with weak kinship tend to rely on non-relationship lending dominated by institutions like banks;due to the dilution effect of education and relatively lower education level,households with strong kinship can hardly obtain the advantage of non-relationship lending,which leads to more relationship lending.

关 键 词：亲缘关系 兄弟姐妹数量 家庭借贷需求 关系型借贷 非关系型借贷 

分 类 号：D1[政治法律—政治学]