经济行为偏好对农户借款需求及可得情况影响研究

Research on the Influence of Economic Behavior Preference on Farmers'Borrowing Demand and Availability

论文利用清华大学中国农村研究院“百村万户”调研数据对我国28个省农户的跨期消费偏好、风险偏好和社交密度偏好等三个行为经济学特征与借款行为的相互关系进行实证分析,得到以下结论:1.远期消费偏好对农户家庭内源融资供需平衡起到调节作用并显著影响着借款需求发生概率;2.高社交密度和基于节俭品质的远期消费偏好在农村社会可以充当一定的信用资本从而提高农户家庭借款的可得性;3.风险偏好对农户借款需求和可得情况均无显著影响。

This paper uses the survey data of the“100 villages and 10,000 households”of the China Rural Research Institute of Tsinghua University in 2017 to conduct an empirical analysis of the impact of the three behavioral economic characteristics of farmers'(intertemporal consumption preference,risk preference and social density preference)on borrowing behavior in 28 provinces in China.The following conclusions are obtained:1.Long-term consumption preferences play a role in regulating the supply and demand balance of endogenous financing of rural households and significantly affect the probability of borrowing demand;2.High social density and long-term consumption preferences based on frugal quality in rural society can serve as a certain amount of credit capital to improve the availability of farm household loans;3.Risk appetite has no significant impact on both the farm household borrowing needs and availability.