【摘要】：我國(guó)農(nóng)戶借貸難問(wèn)題一直困擾著農(nóng)戶自身和政府相關(guān)部門(mén)，并制約著農(nóng)戶提高收入和擺脫貧困，影響社會(huì)穩(wěn)定。盡管政府、金融機(jī)構(gòu)、學(xué)者及相關(guān)人士開(kāi)始關(guān)注并探求解決農(nóng)戶融資難的相關(guān)對(duì)策措施，但大部分研究局限于現(xiàn)有農(nóng)村金融體系，很少?gòu)纳鐣?huì)網(wǎng)絡(luò)視角來(lái)研究農(nóng)戶借貸問(wèn)題。對(duì)于具有明顯“差序格局”特征的我國(guó)農(nóng)村地區(qū)，農(nóng)戶社會(huì)網(wǎng)絡(luò)對(duì)農(nóng)戶借貸的影響研究就顯得很有意義。 本文以農(nóng)戶為調(diào)查對(duì)象，以農(nóng)戶社會(huì)網(wǎng)絡(luò)對(duì)農(nóng)戶借貸獲得、各借貸渠道借貸獲得及農(nóng)戶信貸配給的影響為研究?jī)?nèi)容，分析當(dāng)前我國(guó)農(nóng)戶社會(huì)網(wǎng)絡(luò)和農(nóng)戶借貸現(xiàn)狀�；谏鐣�(huì)網(wǎng)絡(luò)理論，本文建立了以人情支出比、強(qiáng)關(guān)系網(wǎng)絡(luò)、網(wǎng)絡(luò)規(guī)模、網(wǎng)頂、網(wǎng)差、網(wǎng)絡(luò)中心性、網(wǎng)絡(luò)異質(zhì)性為指標(biāo)的社會(huì)網(wǎng)絡(luò)測(cè)量模型，探究社會(huì)網(wǎng)絡(luò)對(duì)農(nóng)戶借貸的影響機(jī)理；并通過(guò)調(diào)查問(wèn)卷整理出的413份有效數(shù)據(jù)，，運(yùn)用logit模型、MNL模型以及OLM模型分別檢驗(yàn)了社會(huì)網(wǎng)絡(luò)對(duì)農(nóng)戶借貸獲得、農(nóng)戶各借貸渠道借貸獲得以及農(nóng)戶信貸配給的影響研究假設(shè)。 研究結(jié)果表明：人情支出比越大、強(qiáng)關(guān)系網(wǎng)絡(luò)規(guī)模越大、社會(huì)網(wǎng)絡(luò)規(guī)模越大，農(nóng)戶獲得非正規(guī)借貸、正規(guī)借貸和混合借貸的概率越大，越有助于農(nóng)戶獲得借貸；網(wǎng)絡(luò)異質(zhì)性越高，有助于農(nóng)戶獲得非正規(guī)借貸和混合借貸，越有助于農(nóng)戶獲得借貸；人情支出比越大、強(qiáng)關(guān)系網(wǎng)絡(luò)規(guī)模越小，農(nóng)戶受到信貸配給的概率越�。粡�(qiáng)關(guān)系社會(huì)網(wǎng)絡(luò)規(guī)模越大，農(nóng)戶受到信貸配給越嚴(yán)重,主要是這些農(nóng)戶的需求不足導(dǎo)致。網(wǎng)頂和網(wǎng)差對(duì)農(nóng)戶獲得借貸沒(méi)有顯著影響，但是網(wǎng)差大的農(nóng)戶在正規(guī)貸款方面有優(yōu)勢(shì)，網(wǎng)頂高、網(wǎng)差大、網(wǎng)絡(luò)規(guī)模大的農(nóng)戶在信貸配給方面沒(méi)有優(yōu)勢(shì)。網(wǎng)絡(luò)中心性高的農(nóng)戶獲得非正規(guī)借貸、正規(guī)借貸和混合借貸的可能性更小，農(nóng)戶獲得借貸的概率也更低，但受到正規(guī)金融機(jī)構(gòu)的信貸配給程度更小。 根據(jù)理論與實(shí)證研究結(jié)論，基于農(nóng)戶社會(huì)網(wǎng)絡(luò)視角，為提高農(nóng)戶借貸獲得、減輕農(nóng)戶信貸配給程度，從農(nóng)戶自身、國(guó)家政策層面和金融機(jī)構(gòu)三方面，探討了如何構(gòu)建和利用好社會(huì)網(wǎng)絡(luò)，從而使農(nóng)戶的借貸需求得到滿足，減輕其信貸配給程度。
[Abstract]:The problem of rural households'difficulty in borrowing and lending has been plaguing the farmers themselves and the relevant government departments, restricting the farmers to raise their income and get rid of poverty, and affecting social stability. The system seldom studies peasant household lending from the perspective of social network, so it is very meaningful to study the impact of peasant household social network on peasant household lending in rural areas with obvious "differential order pattern".
Based on the social network theory, this paper establishes a human expenditure ratio, a strong relationship network, a network scale, and a network top. Social network measurement model with network gap, network centricity and network heterogeneity as indicators to explore the impact mechanism of social network on rural household lending; and 413 valid data collected by questionnaire, using logit model, MNL model and OLM model to test the access of social network to rural household lending, and rural household lending channels. Research hypotheses on the impact of acquisition and credit rationing on farmers.
The results show that the larger the ratio of human expenditure, the larger the scale of strong relationship network, the larger the scale of social network, the greater the probability of informal lending, formal lending and mixed lending, the more conducive to farmers'access to credit; the higher the heterogeneity of the network, the more conducive to farmers' access to informal lending and mixed lending, the more conducive to farmers'access to informal lending and mixed lending. The larger the ratio of human expenditure, the smaller the scale of strong relationship network, and the smaller the probability of farmers receiving credit rationing. The larger the scale of strong relationship social network, the more serious the farmers are subjected to credit rationing, mainly due to the insufficient demand of these farmers. Farmers with high network centrality are less likely to get informal lending, formal lending and mixed lending. Farmers with high network centrality have lower probability of obtaining loans, but they are less likely to receive credit rationing from formal financial institutions.
Based on the theory and empirical research, this paper discusses how to construct and make good use of the social network from three aspects: farmers themselves, state policies and financial institutions, so as to improve the farmers'access to credit and reduce their credit rationing.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.43

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 吳豪;基于復(fù)雜網(wǎng)絡(luò)理論的農(nóng)村信貸系統(tǒng)建模及仿真研究[D];西北農(nóng)林科技大學(xué);2013年

本文編號(hào)：2194364