社会资本强度对农户家庭借贷行为影响研究——基于2016年CFPS 的数据

The Impact of Social Capital Strength on Rural Household Lending Behavior ——Based on CFPS Data in 2016

使用2016年CFPS数据研究不同强度的社会资本对农户家庭借贷行为的影响。研究结论表明,强关系社会资本对农户家庭获得贷款影响力逐渐淡化,而弱关系资本对借贷行为影响力逐渐提高;不同强度社会资本影响农户家庭借贷渠道的选择,且强关系社会资本的农户家庭对非正规渠道借贷影响相对于正规渠道更强;从农户收入异质性分析,社会资本强度随着收入的提高不断增大,对农户家庭的借贷行为产生更显著的正向影响,尤其对于收入较高的农户家庭影响力更为突出。运用不同的稳健性方法检验研究的结论,结果仍然显著。

Based on the data of China Family Panel Studies (CFPS) in 2016, this paper examines the impact of different levels of social capital on the lending behavior of the rural families. The conclusions show that the impact of social capital with strong relationship on rural family's getting credit becomes weaker step by step, while the impact of that with weaker relationship is continuously improved;Social capital with different strength influences rural family's choice for credit channels, and strong social capital has stronger effects on informal rural family's lending than formal ones;From the analysis of the heterogeneity of family income, the strength of social capital increases with income rising up, which has more significant positive impact on rural family behavior, especially for rich farmers. This paper then uses different methods to test the conclusions and the results remain robust.