市场化下社会网络对农户借贷渠道的影响——基于CHFS 2015数据的实证分析

The impact of social networks on farmer′s lending channels under the marketization——Based on the data of CHFS 2015

基于2015年中国家庭金融调查的数据,结合正规渠道借贷和非正规渠道借贷之间的相互关联,采用Biprobit模型实证分析了亲缘型社会网络和业缘型社会网络对农户正规渠道借贷和非正规渠道借贷的影响及其变化趋势。研究发现:不同类型的社会网络对农户借贷渠道的影响存在差异,市场化下社会网络对农户借贷渠道影响的变化不显著。据此,提出传承优秀传统文化以稳固亲缘型社会网络、增加创业就业机会以拓展业缘型社会网络等对策,以优化社会网络和满足农户多元化的融资需求。

Based on the data of 2015 China Household Finance Survey,considering the interrelationship between formal lending and informal lending,this paper uses the Biprobit model to empirically analyze the impact of kinship social networks and colleague social networks on farmer′s formal lending and informal lending and its changing trend.The results show that different types of social networks have different impacts on farmer′s lending channels,and the changes of impact of social networks on farmer′s lending channels are not significant under marketization.Accordingly,the paper puts forward some countermeasures such as inheriting excellent traditional culture to stabilize the kinship social networks and increasing employment and entrepreneurial opportunities to expand colleague social networks in order to optimize social networks and meet the diversified financing demand of farmers.