摘要
在金融抑制较为普遍的农村地区,建立在亲缘与业缘基础上的农户社会资本在农村信贷资金的配置过程中发挥了"特质性"资源的作用。分析表明,社会资本水平在农户间存在不均等性和非同构性;社会资本水平较高的农户正规信贷的实际发生率较高,且户均信贷规模明显较大;农户非正规信贷发生率有随其社会资本水平的提高渐次下降的趋势,而户均信贷规模则有增加趋势;不同社会资本的农户通过非正规途径的信贷发生率高于通过正规途径的信贷发生率,而前者的户均信贷规模明显低于后者;不同社会资本水平农户信贷目的差异不显著。
In rural areas where the financial restraint is more common, the farmer's social capital established based on the kinship and industry fate plays a 'character' role of resources in the allocation process of rural credit funds. Analysis showed that: the level of social capital has the characteristics of inequality and inhomogeneous in structure among farmers. The actual incidence rates of formal credit for farmers with higher social capital level are relatively high, and the credit scale of formal credit per household is significantly larger. With the increase of the level of farmer's social capital, the incidence rate of farmer's non-formal credit decreases, while their non-formal credit scale increases gradually.The incidence rate of farmer's non-formal credit is higher than farmer's formal credit, while the scale of non-formal credit per household is smaller. The difference of credit purpose for farmers with different levels of social capital was not significant.
出处
《农业经济问题》
CSSCI
北大核心
2008年第9期28-34,共7页
Issues in Agricultural Economy
基金
河南省哲学社会科学规划项目(编号:2007FJJ026)
河南省教育厅自然科学研究项目(编号:2008B790003
2008B790004)
