摘要
风险和脆弱性是农户陷入贫困、返贫的主要原因,提高风险应对能力可有效推动贫困问题缓解,防止返贫。正规借贷和基于社会资本的非正规借贷是农户风险管理的重要手段。基于有限承诺下的动态风险应对模型,分析预防性储蓄和正规借贷对农户风险应对与化解的影响,并在此基础上讨论社会资本介入之后几者关系的变化情况,可以得出正规金融行为、社会资本与农户风险应对能力三者关系的研究假说。基于武陵山贫困地区实地调研的数据,运用因子分析和计量经济分析的方法对研究假说进行论证,发现:在贫困地区,正规金融行为对农户风险应对能力有显著的正向效应,而社会资本的介入能强化正规金融行为对农户风险应对能力的正向效应。因此,应在推动农村正规金融市场建设的同时,尽可能地推动贫困地区农户的社会资本建设;在提高贫困农户风险应对能力、实现可持续脱贫的同时,提升"乡风文明"程度。
Risk and vulnerability are the major causes of farmers'poverty and poverty-returning,and improving the ability of risk response can effectively promote poverty alleviation and prevent farmer falling back to poverty.Formal finance as well as informal finance based on social capital is the primary method to manage risk for farmers.Using the model of dynamic risk response under the limited commitments,we firstly discussed the relationship between precautionary saving,formal borrowing and consumption smoothing,and looked into the changes of the relationship taking the social capital into consideration.Based on that,we proposed two hypotheses about the precautionary saving,formal borrowing and the ability of risk response.Then,factor analysis and econometric model were used to demonstrate the hypotheses based on the field data collected from Wuling mountainous area.The results indicate that the formal financial behavior has a significant positive effect on the capability of risk response;what's more,the positive effects can be strengthened by social capital.Therefore,we should promote the construction of rural formal financial market as well as farmers'social capital,so as to improve the capacity of farmers'risk response,achieve sustainable poverty reduction and raise the level of“local custom civilization”in the poor areas.
作者
吴本健
郭晶晶
马九杰
WU Ben-jian;GUO Jing-jing;MA Jiu-jie
出处
《华南师范大学学报（社会科学版）》
CSSCI
北大核心
2019年第1期66-73,190,共9页
Journal of South China Normal University：Social Science Edition
基金
国家自然科学基金青年项目"农村正规金融发展
金融空间演化与县域内城乡收入差距"(71603306)
北京市社会科学基金一般项目"有利于‘三农’和城市弱势群体的北京市普惠金融体系建设研究"(17YJB023)
教育部人文社会科学重点研究基地重大项目"多维贫困视角下少数民族反贫困与基本公共服务均等化研究"(17JJD850006)
关键词
正规金融
社会资本
返贫风险
贫困地区
formal finance
social capital
risk of falling back to poverty
poor areas
