摘要
基于中国农村"熟人社会"的现实,提出了农户社会网络对其正规机构贷款可获性影响的假设命题,采用我国农户微观调查数据进行了实证检验。结果表明,农户人情支出比的增加、提升有借贷需求农户的网络中心性,都有助于提高农户正规机构贷款的可获性;农户的强关系网络规模增加,农户正规机构贷款可获性反而降低;而网顶、网差、网络规模、网络异质性的影响不显著。政策启示在于当前的信贷文化中要充分考虑和利用农户所拥有的社会网络资源。
Based on the fact of China＇ s ＂acquaintance society＂, this paper puts forward some hypothesis proposition that the rural households ＇ social network influence on formal loan availability. In addition, it uses China ＇ s rural households micro survey data to test them. The results show increasing the proportion of gift spending accounting for the daily expenditure and improving the rural house- holds ＇ social network centrality can increase the the availability of access to formal loans for the rural households. In creasing the rural housholds＇ strong relationship network size can decrease the farmer formal loan availability. Network zenith, network gap,social network size and network heterogeneity have no significant impact for the rural households getting formal credit. Policy implications are that it fully takes into account and make use of the social network resources owned by the farmers in the current credit culture.
出处
《湘潭大学学报（哲学社会科学版）》
CSSCI
北大核心
2014年第1期30-34,共5页
Journal of Xiangtan University:Philosophy And Social Sciences
基金
国家自然科学基金青年项目"中国农村金融包容:转换机理
程度测量与三维效应研究"(项目编号:71303077)
