社会信用体系建设促进了农户创业吗?——基于失信信息公开视角  

Can Social Credit System Construction Promote Farmers'Entrepreneurship?Insights from the Perspective of Dishonest Information Disclosure

作　　者：潘妍 余泳泽 PAN Yan;YU Yongze(College of Finance,Nanjing Agricultural University;School of International Economics and Business,Nanjing University of Finance and Economics)

机构地区：[1]南京农业大学金融学院,江苏南京210095 [2]南京财经大学国际经贸学院,江苏南京210023

出　　处：《金融研究》2023年第12期169-187,共19页Journal of Financial Research

基　　金：国家社会科学基金重大项目(20&ZD089);国家自然科学基金面上项目(71973060)的资助。

摘　　要：农户以创业带动就业,是促进乡村振兴、助力农民农村共同富裕的重要路径。基于中国劳动力动态调查(CLDS)数据,本文从社会信用体系建设视角切入,探讨农户创业问题发现:由于存在信息不对称,社会信用环境较差地区的农户通常创业概率和创业身份更低。社会信用体系建设失信信息公开,有效缓解了信用信息不对称,增进了社会信任,提高了农户从“弱关系”处获得非正规金融资源的机会,进而提升农户创业概率和创业身份。上述积极影响在欠发达地区更加显著,在发展型创业和二三产业创业上边际作用更强。进一步研究发现,相较于本地农户,户籍因素与地区间信用差距使异地农户更易受外部信用环境影响。上述结论表明,社会信用体系建设失信信息公开对激励农户创业卓有成效,未来可通过继续完善社会信用体系建设打破农户创业“桎梏”,激发农村经济活力。Entrepreneurship not only aids in employment and income growth for farmers but also plays a key role in promoting rural vitalization and assisting farmers and rural areas in achieving common prosperity.While the literature indicates that institutional factors have a significant impact on farmers'entrepreneurship,the specific influence of social credit remains relatively unexplored.In fact,social credit has always played an important role in the economy as an informal institution.Furthermore,with the advancement of information technology and the enhancement of government governance capabilities,social credit,as an informal institution,is undergoing a significant transformation.In 2014,the State Council issued the“Planning Outline for the Construction of a Social Credit System(2014-2020)”,formally incorporating the development of the social credit system into the government governance framework as a systematic project to comprehensively enhance national governance capabilities.In 2022,the General Office of the Central Committee of the Communist Party of China and the General Office of the State Council published the“Opinions on Promoting the High-Quality Development of the Social Credit System to Form a New Development Pattern,”further advocating for the deep integration of credit concepts,credit systems,and credit tools with all aspects and links of the national economic system.The recent document indicates that by utilizing information technology to enhance government governance,the regulatory gap between the informal institution of social credit and formal institutions is gradually narrowing.What are the economic effects of this institutional transition,and how does it affect farmers'entrepreneurship?Regrettably,these issues still lack sufficient scholarly attention.Based on data from the China Labor-Force Dynamics Survey,this paper examines the impact of the Construction of China's Social Credit System on farmers'entrepreneurship.It finds that due to information asymmetry,farmers in areas with poorer so

关 键 词：社会信用 社会信用体系建设 农户创业 社会信任 非正规金融 

分 类 号：D64[政治法律—政治学] F323[政治法律—中外政治制度]