社会网络、信息获取能力与农户借贷行为  

Social Network,Information Acquisition Ability and Farmers'Behavior of Borrowing and Lending

作　　者：张乐柱[1] 刘惠芬 Zhang lezhu;Lin huifen(Sonth China Agricultrual Vniversity)

机构地区：[1]华南农业大学经济管理学院

出　　处：《金融经济》2023年第3期30-41,共12页Finance Economy

基　　金：广东省社会科学规划基金项目“乡村信用体系建设:普惠逻辑、评价指标与增信机制研究”(GD21CYJ11);广东省财政专项资金项目“普惠金融与三农经济研究”(GDZXZJSCAU202054)。

摘　　要：本文基于2017年中国家庭金融调查(CHFS)数据,运用Probit模型和Tobit模型实证检验了社会网络对农户借贷行为的影响。结果表明:(1)社会网络对农户借贷可得性、借贷规模均具有正向影响。(2)信息获取能力、风险偏好在社会网络对农户借贷可得性、借贷规模的影响中均起到中介作用。(3)异质性分析发现,与非正规借贷相比,社会网络对农户的正规借贷产生的影响更大;与不使用互联网型农户相比,社会网络对使用互联网型农户的借贷可得性以及借贷规模的影响更大;社会网络对西部地区农户的借贷可得性以及借贷规模影响最大;年龄越靠近中年的农户越倾向于选择参与金融借贷,借贷规模也越大。Based on the 2017 China Household Finance Survey(CHFS)data,this paper uses probit model and tobit model to empirically test the impact of social networks on farmers'lending behavior.The results show that:(1)Social network has a positive impact on farmers'participation in formal financial lending,informal financial lending,access to formal lending and access to informal lending.(2)The ability to access information plays a part of the intermediary role in the impact of social networks on farmers'participation in formal financial lending and access to formal lending amounts,while it does not play an intermediary role in the impact of social networks on farmers'participation in informal financial lending and access to informal lending amounts.(3)Heterogeneity analysis found that social networks significantly promoted the borrowing behavior and the amount of borrowing obtained by farmers in the eastern region;The lower the age of farmers,the more inclined they are to choose informal financial loans,and the amount of loans is also more.

关 键 词：社会网络 农户借贷 信息获取能力 风险偏好 

分 类 号：F832.43[经济管理—金融学]