社会网络对家庭借贷行为的影响——基于中国家庭金融调查数据的实证研究

The Impact of Social Networks on Household Borrowing Behaviors—Empirical Research Based on China Household Finance Survey

本文运用2019年中国家庭金融调查(CHFS)数据,研究了社会网络对家庭正规借贷和民间借贷行为及金额的影响。研究发现,社会网络资源越广的家庭,其进行正规借贷和民间借入、民间借出的概率越大,正规借贷和民间借入、民间借出的金额也越多。研究还发现,社会网络对正规借贷行为和金额的影响比民间借贷更大。

Using China Household Finance Survey(CHFS)data in 2019,the paper investigates the impacts of social networks on the formal and informal lending activities and their amounts.It is found that the wider the social network resources of the family are,the higher the probability of formal lending and private lending and the more the amount of formal lending and non-governmental lending will be.The study also finds that the impact of social networks on formal lending behaviors and amounts is greater than private lending.