社会资本、金融借贷与农户消费--基于新疆农村住户调查数据的实证分析

Social Capital,Financial Loaning and Farmers’Consumption:An Empirical Analysis Based on The Survey of Rural Househelds in Xinjiang

农户消费是全面推进乡村振兴的重要观测指标。文章基于新疆农村住户2015—2020年的入户调研数据,采用面板数据固定效应模型和中介效应模型,研究了社会资本、金融借贷对农户消费的影响及作用机理。结果表明:社会资本与金融借贷对农户消费起到显著正向作用,能够有效提升家庭消费率;且对农户中高端消费促进效应高于低端消费;社会资本通过强化金融借贷进而提升消费水平。研究结论理论上丰富了农户消费影响因素相关文献,并为政府推动农村民间组织规范化建设、强化农村信息化建设以激活农户消费潜力、全面助推农村消费转型具有重要现实意义。

Farmers’consumption is an important index to comprehensively promote rural revitalization.Based on the household survey data of rural households in Xinjiang from 2015 to 2020,using panel data fixed effect model and intermediary effect model,this paper studies the impact and mechanism of social capital and financial lending on Farmers’consumption.The results show that social capital and financial lending have a significant positive effect on farmers’consumption and can effectively improve the household consumption rate;the promotion effect on farmers’medium and high-end consumption is higher than that on low-end consumption;social capital enhances consumption level by strengthening financial loaning.The research conclusion theoretically enriches the relevant literature on the influencing factors of farmers’consumption,and has important practical significance for the government to promote the standardized construction of rural non-governmental organizations,strengthen rural information construction,activate farmers’consumption potential and comprehensively promote the transformation of rural consumption.