社会资本、二元金融与农户借贷行为

Social Capital,Dual Finance and Peasant Household Borrowing Behavior

本文利用对重庆三峡库区的调查数据,测算了农户社会资本总指数,实证分析了不同社会资本的农户借贷行为在正规金融、非正规金融和混合金融下的影响因素。结果表明:家庭毛收入越高,户主受教育程度越好,越有利于农户选择正规金融渠道融资,而选择消费性借款用途的农户却不利于向正规金融机构借贷;家庭经营性资产越多,农户越偏向于选择正规金融借贷,而对非正规金融借贷却有显著的负向影响;农户加入专业合作社也会对农户获取正规金融渠道融资存在显著的正向影响。此外,农户家庭社会资本对于农户借贷具有显著的正向影响,农户社会资本的深度(质量)远比社会资本的广度(数量)更为重要,在农户非正规金融借贷中尤为突出。

In this paper,we use the survey data of Chongqing Three Gorges Reservoir Area,to estimate the farmers social capital index, and empirically analysis influence factors of the household barrowing behavior in the formal,informal and mixed finance under the farmers＇ social capital. The results show that： the higher family gross income, the better educated, more conducive to the farmers choose the formal financial channels; Having more big family business assets are helpful for farmers to choose more formal and less informal finance channels; Whether farmers join the rural economic cooperation organization has significant positive impact on the farmers to choose formal financial channels. In addition,It has significant positive effect of household social capital on rural households borrowing. The depth of farmers ＇ social capital（ quality） is more important than the breadth of social capital.