稻作文化、信任模式与农户融资渠道偏好  

Rice Culture, Trust Models and Farming Households' Financing Channel Preferences

作　　者：黄景怡 米运生[1] 张轶之 HUANG Jingyi;MI Yunsheng;ZHANG Yizhi(College of Economics and Management,South China Agricultural University,Guangzhou 510642,China)

机构地区：[1]华南农业大学经济管理学院,广东广州510642

出　　处：《中南财经政法大学学报》2025年第2期135-147,共13页Journal of Zhongnan University of Economics and Law

基　　金：国家社会科学基金重大项目“乡村振兴与深化农村土地制度改革”(19ZDA115);广东省哲学社会科学重大项目“深化集体林权制度改革背景下生态产品价值实现机制研究”(GD24WTCXGC07)。

摘　　要：基于CFPS和CHFS-SCAU微观数据,本文实证检验稻作文化对农户融资渠道偏好的影响及作用机制。研究发现,稻作文化促使农户更偏好非正规融资渠道。经过一系列稳健性检验后,该结论仍然成立。机制分析表明,稻作区农户之间因为紧密合作而形成的特殊信任,有利于实现熟人间低成本的资源深度交换,从而使其更偏好非正规融资渠道。拓展性分析发现,业缘分化、社会化服务并没有改变稻作文化对农户非正规融资渠道偏好的影响。从信任模式角度,本文为理解农户融资渠道偏好提供了新视角。据此,应充分利用特殊信任,扩充普遍信任,降低金融交易成本,促进正规信贷向农村地区渗透,创新贷款模式。Based on CFPS and CHFS-SCAU microdata,this paper empirically examines the impact of rice culture on farming households'financing channel preference and its underlying mechanism.It is found that rice culture contributes to farming households'preference for informal channel financing.After a series of robustness tests,the conclusion still holds.The mechanism analysis shows that the particularized trust between farmers in the rice farming area due to close cooperation facilitates the realization of low-cost and deep exchange of resources,which leads to a preference for informal financing channels.Extended analysis finds that non-agriculturalization and socialized services do not change the effect of rice culture on farming households'informal financing channel preference.From the perspective of trust model,this paper provides new perspectives for understanding farming households'financing channel preferences.In this regard,it is crucial to leverage specific trust to expand general trust,reduce transaction costs in financial dealings,facilitate the penetration of formal credit into rural areas,and innovate loan models.

关 键 词：稻作文化 正规融资 非正规融资 特殊信任 普遍信任 融资成本 

分 类 号：F304.4[经济管理—产业经济]