本文選題：專(zhuān)用性資產(chǎn) + 聲譽(yù)效應(yīng)��； 參考：《經(jīng)濟(jì)科學(xué)》2017年05期

【摘要】：作為農(nóng)業(yè)產(chǎn)業(yè)化的貸款模式,互聯(lián)性貸款能夠借助于自我履約機(jī)制而有效緩解農(nóng)戶道德風(fēng)險(xiǎn),并因此在實(shí)踐中得以廣泛發(fā)展。一個(gè)待解之謎是:其自我履約的微觀機(jī)理是什么?本文數(shù)理模型和實(shí)證分析表明:通過(guò)增加聲譽(yù)資本損失和減少當(dāng)期收益,專(zhuān)用性資產(chǎn)可以雙管齊下強(qiáng)化聲譽(yù)效應(yīng)、促進(jìn)農(nóng)村互聯(lián)性貸款自我履約�；诮灰滋匦院娃r(nóng)戶稟賦異質(zhì)性,不同專(zhuān)用性資產(chǎn)在促進(jìn)自我履約的作用強(qiáng)度方面,存在著差異性:按照指定性、交易性和物質(zhì)性專(zhuān)用資產(chǎn)的順序,它們?cè)趶?qiáng)化聲譽(yù)效應(yīng)、促進(jìn)互聯(lián)性貸款自我履約方面的功能是依次下降的。此外,按照大宗農(nóng)產(chǎn)品、經(jīng)濟(jì)作物、畜禽品的順序,隨著專(zhuān)用性的提高,產(chǎn)品專(zhuān)用性資產(chǎn)強(qiáng)化聲譽(yù)效應(yīng)、促進(jìn)自我履約的效果則漸次提高。
[Abstract]:As a loan mode of agricultural industrialization, interconnected loans can effectively alleviate the moral hazard of farmers by means of self-fulfilling mechanism, and therefore can be widely developed in practice. The mystery is: what is the microcosmic mechanism of its self-fulfilment? The mathematical model and empirical analysis show that by increasing the loss of reputation capital and reducing the current income, the special assets can strengthen the reputation effect in both ways and promote the self-performance of rural interconnected loans. Based on the characteristics of transaction and the heterogeneity of farmers' endowment, there are differences in the effect of different special assets in promoting self-performance: according to the order of designated, transactional and material special assets, they are strengthening the reputation effect. The function of promoting self-compliance of interconnected loan is decreasing in turn. In addition, according to the order of bulk agricultural products, cash crops, livestock and poultry products, with the increase of specificity, the effect of product specific assets strengthens reputation, and the effect of promoting self-performance is gradually improved.
【作者單位】： 華南農(nóng)業(yè)大學(xué)國(guó)家農(nóng)業(yè)制度與發(fā)展研究院;深圳量龍信用管理有限公司;
【基金】：國(guó)家社科基金重點(diǎn)項(xiàng)目(16AJY015) 國(guó)家自科基金重點(diǎn)項(xiàng)目(71333004)的階段性成果
【分類(lèi)號(hào)】：F832.4

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