社会资本对农户农业信用担保融资意愿与行为的影响  

The influences of social capital on rural households’willingness and behaviors to use agricultural credit guarantee financing

作　　者：庄腾跃 胡杰 罗剑朝[1,2] ZHUANG Teng-yue;HU Jie;LUO Jian-chao(School of Economics and Management,Northwest A&F University,Yangling,Shaanxi 712199,China;Shaanxi Rural Finance Research Center,Yangling,Shaanxi 712199,China)

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712199 [2]陕西省农村金融研究中心,陕西杨凌712199

出　　处：《农业现代化研究》2022年第5期878-890,共13页Research of Agricultural Modernization

基　　金：国家自然科学基金项目(71873100);中央农办、农业农村部乡村振兴专家咨询委员会软科学项目(rkx20221801);中央高校基本科研业务费专项资金资助项目(2452022074)。

摘　　要：发挥社会资本对农户农业信用担保融资意愿和行为的促进效应,对解决农村金融市场上农户抵押担保融资难题意义重大。基于陕西3县(区)666户农户调查数据,采用Bivariate Probit模型,分析社会资本对农户农业信用担保融资意愿和行为的影响,同时进行内生性和稳健性检验,探讨其影响机制和农户异质性。结果表明,50.4%的受访农户愿意进行农业信用担保融资,但融资行为率仅为18.6%,农户对农业信用担保融资有效意愿较低,且意愿与行为间存在偏差。各类社会资本中,政府关系资本仅有利于提高农户农业信用担保融资意愿,而银行关系资本和村级关系资本能显著促进农户同时具有农业信用担保融资意愿和行为,减少二者之间的偏差。社会资本通过提高农户农业信用担保融资流程认知和政策认知而提高其具备融资意愿和行为的概率;相比于其他年龄、受教育程度和收入水平的农户,社会资本对年龄在60岁以下、受教育程度为高中以下和低收入水平农户的融资意愿和行为影响更显著。因此,提出丰富农户社会资本,加大农业信用担保融资宣传力度,制定差异化的农业信用担保贷款政策和申请条件等对策建议。Exploiting the promotion effects of social capital on rural households’willingness and behaviors to use agricultural credit guarantee financing is of great significance to solve the difficulties of farmers’mortgage guarantee financing in rural financial market.Based on a survey data of 666 rural households in three counties(districts)in Shaanxi,and applying the Bivariate Probit model,this paper analyzed the effects of social capital on rural households’willingness and behaviors to use agricultural credit guarantee financing.Results show that 50.4%of the surveyed households are willing to use agricultural credit guarantee financing,but the rate of financing behaviors is only 18.6%,and the effective willingness of households to use agricultural credit guarantee financing is low with a deviation between willingness and behaviors.Among various types of social capital,government relationship capital is only beneficial to increase households’willingness to use agricultural credit guarantee financing,while bank relationship capital and village-level relationship capital can significantly increase the probability of households having both willingness and behaviors to use agricultural credit guarantee financing with low deviation between them.Social capital increases the probability of households’willingness and behaviors by improving their knowledge of agricultural credit guarantee financing process and policy knowledge.While social capital has more significant effects on the willingness and behaviors of household heads under the age of 60,with high school education or less,and with low-income level than those of other age,education level and income level.Therefore,this paper provided some suggestions,including enriching households’social capital,increasing the publicity of agricultural credit guarantee financing,and formulating differentiated policies and application conditions for agricultural credit guarantee loans.

关 键 词：社会资本 农业信用担保融资 融资意愿 融资行为 认知水平 

分 类 号：F832.43[经济管理—金融学]