宗族对家庭借贷可获得性影响分析——基于CFPS调查数据

An Analysis of Clan’s Influence on Households’ Loan Accessibility——Based on CFPS Data

本文根据2018年中国家庭追踪调查数据(CFPS)分析宗族对家庭借贷可获得性的影响及其机制。研究表明,宗族对于家庭借贷行为及融资途径有显著正影响,有所属祠堂比无祠堂家庭获取借贷的可能性高5.2%,通过民间途径借贷的可能性高5%,正规途径则不显著。进一步探究得出,宗族对于务农和外出务工样本是否购买商业保险存在显著负影响,有祠堂较无祠堂家庭购买商业保险的概率分别减少11.2%和7.4%,证明宗族存在一定风险替代的作用。

This article selects data from the 2018 China Family Panel Studies(CFPS)to analyze the impact of clan on household loan accessibility and its mechanism. The research finds that clan has a significant positive effect on household loan behavior and financing sources. Households with clan are 5.2% more likely to receive loan compared to households without clan, and 5%more likely through private channels.There is no significant supporting evidence as for formal channel. It is further explored that clan has a significant negative effect on the purchase of commercial insurance for farming and laboring households. The probability of purchasing commercial insurance is 11.2% and 7.4% lower for the households with clan than without it, indicating that clan has a certain function of risk substitution.