信任与家庭融资渠道偏好研究  

Study of Trust and Household Preference for Financing Channels

作　　者：熊芳 陈子科[2] 简兵 Xiong Fang;Chen Zike;Jian Bing(Joint Laboratory of Agricultural Information Technology Research and Development,Chinese Academy of Sciences and National Ethnic Affairs Commission,Wuhan 430074,Hubei,China;School of Economics,South-Central Minzu University,Wuhan 430074,Hubei,China)

机构地区：[1]中国科学院-国家民委农业信息技术研究与开发联合实验室,湖北武汉430074 [2]中南民族大学经济学院,湖北武汉430074

出　　处：《征信》2022年第8期28-33,共6页Credit Reference

基　　金：国家社会科学基金项目(20BMZ106);国家民委基金项目(MSR20004)。

摘　　要：厘清信任对家庭融资渠道偏好的影响有助于合理引导普惠金融的发展。利用2018年中国家庭追踪调查数据,检验信任对家庭融资渠道偏好的影响。结果表明:自信和对他人的信任都与正规融资渠道偏好显著正相关。但对他人的信任中,制度信任显著正向影响正规融资偏好;人际信任显著正向影响非正规融资偏好。经内生性和稳健性检验,上述结果仍然成立。异质性检验结果则表明,相对城市家庭,信任对农村家庭融资偏好的影响更显著。基于以上结论,从金融机构和政府两个层面提出政策建议。Clarifying the impact of trust on family financing channel preference is conducive to reasonably guiding the development of inclusive finance.This paper empirically analyzes the impact of trust on household financing channel preference by using the data of China Family Panel Studies in 2018.The results show that both self-confidence and trust in others are significantly positively correlated with formal financing channel preference.However,in the trust of others,institutional trust displays significant positive impacts on formal financing preference and interpersonal trust on informal financing preference.The results are still valid after endogeneity and robustness test.The heterogeneity test results show that trust has more significant impacts on rural families’ financing preference compared with urban families.Based on the above conclusions,this paper puts forward policy suggestions from the viewpoint of financial institutions and government.

关 键 词：家庭融资 信任 正规融资 非正规融资 

分 类 号：F832.43[经济管理—金融学] F323.8