家庭禀赋对农户金融选择的影响——以蕲春县为例

The Impact of Family Endowments on Farmers’ Financial Choice

本文基于2017年对蕲春县农户的调研数据，研究家庭禀赋对农户金融选择的影响。研究结果表明，不同的家庭禀赋要素对农户金融选择的影响不同。具体表现为：（1）农户拥有的社会资本要素会正向作用于其金融借贷选择；（2）经济资本丰富的农户更容易受到正规金融机构的青睐，非正规金融机构较难满足其借贷需求；（3）人力资本与自然资本要素对农户借贷选择并不产生显著影响。综上所述，社会资本强的农户是潜在的信用客户，正规金融机构的高门槛，降低了社会资本强、经济资本弱的农户正规金融机构的借贷参与率。

Based on the household survey data of Qichun County in 2017,this paper discusses the impact of family endowments on farmers＇ financial choice.The results show that different kind of family endowments have different effects on farmers＇ financial choice.The specific performance is as follows：（1） The social capital endowments owned by the farmers will be positive to the choice of financial lending;（2） The farmers with rich economic capital are more likely to be accepted by the formal financial institutions,and the informal financial institutions are more difficult to satisfy their borrowing needs;（3） Human capital and natural capital＇s influence on the loan of farmers are not significant.To sum up, the peasant households with strong social capital are potential credit clients,and the high threshold of the formal financial institutions reduces the loan participation rate of the farmers with strong social capital and weak economic capital.