| 摘要: |
| 为了解粮食经营户不同类型社会资本对信贷需求抑制的影响，基于对四川、河南、浙江和黑龙江4省1 030户粮食种植户的调研数据，采用两阶段Heckman模型研究社会资本是否会抑制农户的信贷需求，并运用Tobit模型研究社会资本对农户信贷需求抑制程度的影响。结果表明，65.7%的粮食种植户受到信贷需求抑制，其中受到部分信贷需求抑制的比例为48.4%；社会资本变量中，社会关系因子、亲戚政治因子和组织关系显著影响农户的信贷需求抑制和信贷需求抑制程度，信任因子、金融关系变量和政治关系变量对信贷需求抑制和信贷需求抑制程度的影响不显著；此外，社会资本对资金需求小户的影响更为显著。基于以上结果，从政府角度而言，本研究指出要重视高社会资本易获得贷款这种外部因素而造成的社会不公平情况，警惕可能导致的贫富分化和社会不公平问题，并在此基础上提出相关建议；从金融机构角度，本研究提出了发展普惠金融的建议。 |
| 关键词: 社会资本 信贷需求抑制 两阶段Heckman模型 Tobit模型 普惠金融 |
| DOI：10.11841/j.issn.1007-4333.2018.01.20 |
| 投稿时间：2017-03-13 |
| 基金项目:中国农业科学院"财政金融创新与农村发展"科技创新工程（ASTIP-IAED-2016-03） |
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| Can social capital relieve farmers' credit demand rationing? An empirical analysis based on farm household survey |
|
WEI Hao, LI Yun, LV Kaiyu, WANG Jing
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| (Institute of Agricultural Economics and Development, Chinese Academy of Agriculture Science, Beijing 100081, China) |
| Abstract: |
| In order to understand the effect of social capital on farmers' credit demand rationing, based on the survey of 1 030 farm households from Sichuan, Henan, Zhejiang and Heilongjiang in China, a two-stage Heckman model is established to answer the question of "Can social capital relieve farmers' credit demand rationing?". Tobit model is employed to analyze the influence of degree of social capital on credit demand rationing. The results show that:About 65.7% farmers experience credit demand rationing in rural area, about 48.4% crop producers suffer partial credit demand rationing. The empirical results show that social relation, political factor of relatives and cooperative organizations have significant effect on both credit demand rationing and its degree of rationing, but the trust relationship, political factor and financial relationships don't have significant effect. Furthermore, social capital affects small credit demand farmer more significantly. Based on above analysis, two related policy suggestions are put forwarded:The first one is that government should lay emphasis on social injustice caused by external factors, for example, high social capital can get loans easily, and also be aware of potential problems such as the gap between the rich and poor;The second one is that under the premise of risk management, financial institutions should concentrate on developing internet finance and inclusive finance to reduce the transaction cost. |
| Key words: social capital credit demand rationing two-stage Heckman model Tobit inclusive finance |
