社会信任与家庭借贷可得  

Social Trust and the Availability of Household Loans

作　　者：王昱崴 吴晶妹[1] WANG Yuwei;WU Jingmei(The School of Finance,Renmin University of China,Beijing 100872,China)

机构地区：[1]中国人民大学财政金融学院,北京100872

出　　处：《经济经纬》2023年第2期130-139,共10页Economic Survey

基　　金：国家社会科学基金项目(18BJL065)。

摘　　要：抵押和担保缺失使得社会资本越来越重要,社会信任作为核心的社会资本为缓解家庭借贷约束问题提供了一个新的视角。利用中国家庭追踪调查(CFPS)数据,使用Probit模型实证研究了社会信任度对家庭借贷可得能力的影响。研究结果表明:提高社会信任度能整体提升家庭的借贷可得能力,异质性检验表明上述影响对乡村家庭、低收入和低资产家庭更加有利,能够明显缩小不同阶层借贷可得能力的差距。机制分析表明:提高社会信任度能够增强社会互助、提高借贷主体的社会地位,缓解社会排斥,提升家庭借贷可得能力。因此,资金供求双方要转变传统的借贷观念,重视社会信任的作用;同时也要加强社会信任文化和社会信用体系等宏观制度建设。The absence of mortgage and guarantee makes social capital more and more important.Social capital,as the core of social trust,provides a new perspective for alleviating the problem of household loan constraints.Based on the data of Chinese Household tracking Survey(CFPS)and Probit model,this paper empirically studies the impact of social trust on households'loan availability.The results show that improving social trust can significantly improve the household's loan availability as a whole.Heterogeneity test indicates that the above effects are more beneficial to rural households,low-income and low-asset families,and can significantly narrow the gap in the availability of loans among different classes.Mechanism analysis shows that improving social trust can enhance social mutual assistance,improve the social status of loan subjects,alleviate social exclusion and enhance the availability of household loans.Therefore,both the supply and demand of funds should change the traditional concept of lending and attach importance to the role of social trust.At the same time,they should also strengthen the construction of macro systems such as social trust culture and social credit system.

关 键 词：借贷可得 借贷约束 社会信任 信任度 社会资本 

分 类 号：F832.4[经济管理—金融学]