异质性社会资本对贫困农户融资行为的影响分析——基于宁夏南部山区建档立卡户的调查  

The Influence of Heterogeneous Social Capital on Household Borrowing Behavior:A Survey of the Registered Poor Households in Mountainous Areas of Southern Ningxia

作　　者：马艳艳[1] 于瑞 范晨露 MA Yanyan;YU Rui;FAN Chenlu(School of Economics and Management, Ningxia University, Yinchuan 750021, China;School of Agriculture, Ningxia University, Yinchuan 750021, China)

机构地区：[1]宁夏大学经济管理学院,宁夏银川750021 [2]宁夏大学农学院,宁夏银川750021

出　　处：《安徽农业大学学报（社会科学版）》2021年第4期1-6,共6页Journal of Anhui Agricultural University:SOC.SCI.

基　　金：国家自然科学基金地区项目“精准扶贫背景下村级互助担保基金发育、运行绩效及响应机理研究”(71763024)。

摘　　要：有效拓宽建档立卡农户融资渠道可以进一步增强其脱贫后可持续发展的内生动力。基于宁夏南部山区建档立卡农户调研数据,运用多元Logistic模型分析社会资本对农户融资行为选择的影响。结果表明:人情支出越多、农户间信任程度越高,农户越倾向于正规金融机构融资;农户家庭成员中有村干部和亲戚中有政府工作人员对农户选择正规和非正规融资渠道均有显著影响。促进农户社会资本信息传递作用可以有效降低农户融资成本,应积极引导非正规金融规范发展,充分发挥非正规金融对正规金融的补充作用;加大建档立卡户非农职业技能培训力度,增加农户非农经营收入以提升其融资能力。Based on the survey data on registered households in the southern mountainous area of the Ningxia Hui Autonomous Region,this paper uses the Multivariate Logistic Model to analyze the influence factors of social capital on the borrowing behavior of poor households.The results show that:compared with informal lending behavior,the social relations expenditure of farmers and the degree of trust among them have a greater impact on the lending behavior of formal financial institutions.Family members in the village cadres and relatives who work for the government have a significant effect on the formal and informal financing behaviors of rural households.In addition,the age,working experience and actual cultivated land area of farmers have prominent effects on their informal credit behavior,and the more non-agricultural income a household has,the more likely it is to have formal credit.Finally,according to the research results,this paper makes a number of policy recommendations.

关 键 词：社会资本 农户融资行为 建档立卡户 多元Logistic模型 

分 类 号：F832.43[经济管理—金融学]