摘要
选取结构型、关系型和认知型3个维度,引入社会网络、社会信任和经济组织参与3个社会资本度量指标及5个具体指标,通过建立计量经济模型来考察社会资本对农户林权抵押贷款行为的影响。结果表明:经常走动的亲戚朋友数对农户林权抵押贷款的贷款机会和实际贷款金额均具有显著的负影响;是否有亲友在银行或信用社工作、是否有信用评价等级、是否参与农民专业合作经济组织对农户林权抵押贷款的贷款机会和实际贷款金额均具有显著的正影响;与参照组(根本筹不到)相比,一周之内能筹到10万元钱对农户实际贷款金额具有显著的正影响;此外,家庭总收入、林地总面积也显著正向影响农户林权抵押贷款的贷款机会和实际贷款金额。
This paper selects three dimensions( including structual dimendion,relational dimension,cognitive dimension) and three metrics( including social network,social trust,economic organizatin participation) five indexl of social capital to build econometric model to investigate the impacts of social capital on collateral loan with forest property by farmer housholds' behavior. The results show that the number of relatives and friends who move around regularly has a significant and negative effect on both credit opportunity and real credit quotas of collateral loan with forest property. The friends or relatives whether to work in a bank or credit union,whether to have credit rating in the formal financial institutions,and whether to participate in the farmers' specialized cooperative economic organization have a significant and positive effect on both credit opportunity and real credit quotas of collateral loan with forest property. Compared to the control group( cannot raise money at all),who can raise 100 thousand yuan within a week has a significant and positive effect on real credit quotas of collateral loan with forest property. In addition,the impacts of social capital on both credit opportunity and real credit quotas of collateral loan with forest property also include income of household and the area of forest land.
出处
《林业资源管理》
北大核心
2017年第6期9-15,共7页
Forest Resources Management
关键词
社会资本
农户
林权抵押贷款
贷款行为
social capital
farmer household
collateral loan with forest property
behavior of loan
