农村家庭经济脆弱性与融资选择——基于2017年河南大学“百县千村整村调查”的实证研究

Economic Vulnerability of Rural Household and Financing Options——Based on the Empirical Research Data of "the Survey of Thousands of Villages in Hundreds of Counties" Led by Henan University in 2017

本文利用2017年河南大学"百县千村整村调查"的4 503户数据,考察了影响农村家庭脆弱性的主要因素,尤其是农户的融资选择对于农村家庭脆弱性的影响。结果发现,自身、亲戚和朋友的融资对农村家庭经济脆弱性的影响显著为正。家庭规模越大、非农就业比例越高、劳动收入比例越高、户主受教育程度越高,家庭经济的脆弱性越小。针对这样的情况,为了降低农村家庭经济的脆弱性,建议发展正规金融,普及保险知识,提供保险产品,增加农村家庭非农就业比例,提高农村家庭成员的受教育水平。

In this paper,we use the data of 4503 rural families collected from"the survey of thousands of villages in hundreds of counties"led by Henan University in 2017,and investigate the main factors affecting the vulnerability of rural families,cespecially the effect of rural families'financing choices.The results show that,raising money from oneself,relatives and friends has significantly positive effect on the economic vulnerability of rural household#Furthermore,we find that,factors bringing lower probability of economic vulnerability include larger family size,higher proportion of non-agricultural employment,higher proportion of labor income and higher educational level of householder.And for that,in order to weaken the economic vulnerability of rural household,we propose targeted suggestions,such as the development of formal finance,the expansion of insurance knowledge,the providing of insurance products,higher proportion of non-agricultural employment and higher educational level of rural population.