本文選題：社會網(wǎng)絡 + 農村金融　； 參考：《經(jīng)濟研究》2011年11期

【摘要】：本文以"2009年中國農村金融調查"81村1951戶專項入戶調研數(shù)據(jù)為基礎,從社會網(wǎng)絡視角考察我國農戶民間借貸需求行為。研究表明:(1)社會網(wǎng)絡越發(fā)達的農戶,民間借貸行為越活躍,社會網(wǎng)絡是農戶平衡現(xiàn)金流、弱化流動性約束的重要手段;(2)以社會網(wǎng)絡為基礎的農戶民間借貸行為是傳統(tǒng)鄉(xiāng)土社會的典型特點,其規(guī)模和作用隨社會轉型和經(jīng)濟發(fā)展而趨于弱化,在現(xiàn)有農村殘缺產權條件下,以社會網(wǎng)絡為基礎的民間借貸對滿足農村金融需求有積極意義,但其可持續(xù)性和穩(wěn)定性都還有待進一步深入討論。本文的研究對理解農戶民間借貸需求行為、深化農村金融體制改革做了一些初步的有意義的探索。
[Abstract]:Based on the survey data of 1951 households in 81 villages in China Rural Finance Survey in 2009, this paper investigates the private lending needs of farmers in China from the perspective of social network. The study shows that the more developed the social network, the more active the folk lending behavior is. The social network is the farmers' equilibrium cash flow. The typical characteristic of the traditional rural society is the folk lending behavior based on social network. Its scale and function tend to weaken with the social transformation and economic development. Under the condition of the existing rural incomplete property rights, the folk lending based on social network has positive significance to meet the rural financial needs, but its sustainability and stability still need to be further discussed. The research of this paper has made some preliminary and meaningful exploration to understand the behavior of farmers' private loan demand and deepen the reform of rural financial system.
【作者單位】： 湘潭大學商學院;北京大學城市與環(huán)境學院;中央財經(jīng)大學經(jīng)濟學院;湘潭大學中國農村發(fā)展研究中心;
【基金】：國家自科基金項目(71003083) 國家社科基金項目(09BJL042) 教育部人文社科規(guī)劃基金項目(09YJA790173) 湖南省社科基金重點項目(09ZDB132)的資助
【分類號】：F832.43;F224

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相關期刊論文 前6條

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本文編號：1881980