本文選題：社會(huì)資本 + 農(nóng)民工　； 參考：《華中師范大學(xué)》2014年碩士論文

【摘要】：黨的十八屆三中全會(huì)提出“發(fā)展普惠金融,鼓勵(lì)金融創(chuàng)新,豐富金融市場層次和產(chǎn)品”的戰(zhàn)略方針。普惠金融體系是指能有效、全方位為社會(huì)各個(gè)階層和團(tuán)體提供服務(wù)的金融體系,實(shí)際上就是讓金融服務(wù)更好地支持實(shí)體經(jīng)濟(jì)的發(fā)展,包括支持具有高風(fēng)險(xiǎn)性的創(chuàng)業(yè)活動(dòng),既而促進(jìn)經(jīng)濟(jì)增長。 農(nóng)民工創(chuàng)業(yè)是他們解決就業(yè)和脫貧致富的手段之一,創(chuàng)業(yè)需要足夠的資金用于開創(chuàng)事業(yè)和流轉(zhuǎn),創(chuàng)業(yè)資金的籌措表面上只是一個(gè)金融問題,實(shí)質(zhì)上是農(nóng)民工在鄉(xiāng)土社會(huì)的社會(huì)網(wǎng)絡(luò)中如何汲取資源的問題。中國農(nóng)村的社會(huì)網(wǎng)絡(luò)具有明顯的“差序格局”特征,農(nóng)民工憑借血緣關(guān)系、姻親關(guān)系和人情來往建立起來的社會(huì)資本對(duì)農(nóng)民工創(chuàng)業(yè)融資方式的影響,是一個(gè)非常值得關(guān)注的問題。如何將社會(huì)資本作用于農(nóng)民工乃至農(nóng)戶借貸行為對(duì)建設(shè)普惠金融體系具有重要的借鑒意義。 本文基于全國性的農(nóng)民工調(diào)查數(shù)據(jù),從社會(huì)資本視角考察我國農(nóng)民工創(chuàng)業(yè)融資方式問題,采用有序響應(yīng)模型從三個(gè)方面對(duì)社會(huì)資本與農(nóng)民工創(chuàng)業(yè)融資方式的關(guān)系進(jìn)行了實(shí)證檢驗(yàn),包括：個(gè)人特征、家庭稟賦、社會(huì)資本。尤其是,本文將社會(huì)資本分為整合型社會(huì)資本、跨越型社會(huì)資本、政治資本展開分析。本文認(rèn)為,社會(huì)資本對(duì)融資方式的作用機(jī)理為：農(nóng)民工創(chuàng)業(yè)者的社會(huì)資本通過影響借貸活動(dòng)中的交易成本,進(jìn)而作用于創(chuàng)業(yè)融資方式的選擇。 調(diào)查結(jié)果表明,農(nóng)民工創(chuàng)業(yè)者大部分依賴自有資金,融資渠道較少,民間借貸是仍然是農(nóng)村金融市場的主流,只有少部分創(chuàng)業(yè)者能夠獲得正規(guī)金融結(jié)構(gòu)的貸款,這嚴(yán)重制約了農(nóng)民工自主創(chuàng)業(yè)的發(fā)展。有意思的是,實(shí)證分析結(jié)果表明,個(gè)人特征,社會(huì)資本是影響農(nóng)民工創(chuàng)業(yè)者借貸行為的重要因素,家庭稟賦對(duì)農(nóng)民工創(chuàng)業(yè)融資方式影響并不顯著,表明內(nèi)源性融資與外源性融資有較強(qiáng)的替代性。男性農(nóng)民工相比女性農(nóng)民工,第一代農(nóng)民工相比新生代農(nóng)民工更易獲得有效的借貸,整合型社會(huì)資本、跨越型社會(huì)資本、政治資本對(duì)農(nóng)民工創(chuàng)業(yè)者獲得有效借貸有著顯著的正向作用,說明社會(huì)資本在我國農(nóng)村信貸市場上具有重要的作用。
[Abstract]:The third Plenary session of the 18th CPC Central Committee put forward the strategic policy of developing inclusive finance, encouraging financial innovation and enriching financial market levels and products.The inclusive financial system refers to a financial system that can effectively and comprehensively serve all sectors and groups of society. In fact, it means that financial services can better support the development of the real economy, including support for high-risk entrepreneurial activities.Thus promoting economic growth.Starting a business for migrant workers is one of their ways to solve the problem of employment and getting rich from poverty. Entrepreneurship needs enough funds to start a business and flow. The raising of venture capital is, on the surface, just a financial problem.In essence, it is the problem of how to absorb resources in the social network of rural society.The rural social network in China has the characteristic of "differential order pattern". The influence of the social capital established by blood relationship, affinity relationship and human relationship on the mode of rural migrant workers' venture financing is obvious.Is a matter of great concern.How to apply social capital to the lending behavior of peasant workers and farmers is of great significance to the construction of inclusive financial system.Based on the national survey data of migrant workers, this paper examines the financing methods of migrant workers from the perspective of social capital.The relationship between social capital and rural migrant workers' venture financing mode is tested from three aspects by using the orderly response model, including: personal characteristics, family endowment, and social capital.In particular, this paper divides social capital into integrated social capital, leapfrog social capital and political capital.This paper holds that the mechanism of social capital on financing is that the social capital of migrant workers' entrepreneurs influences the transaction cost in lending activities and then affects the choice of venture financing methods.The survey results show that most of the entrepreneurs of migrant workers depend on their own funds and have fewer channels of financing. Private lending is still the mainstream of the rural financial market, and only a few entrepreneurs can obtain loans from formal financial structures.This has seriously restricted the development of migrant workers' self-employment.Interestingly, the empirical results show that personal characteristics and social capital are the important factors that affect the lending behavior of migrant workers' entrepreneurs, and that the family endowment has no significant impact on the mode of rural migrant workers' venture financing.It shows that endogenous financing and exogenous financing have strong substitution.Male migrant workers than female migrant workers, the first generation of migrant workers than the new generation of migrant workers more easily access to effective loans, integrated social capital, social capital leapfrogging,Political capital has a significant positive effect on rural migrant workers to obtain effective loans, indicating that social capital plays an important role in the rural credit market of our country.
【學(xué)位授予單位】：華中師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F323.6;F279.2

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