社會(huì)資本影響貸款償還率的機(jī)理分析
發(fā)布時(shí)間:2018-03-24 20:38
本文選題:社會(huì)資本 切入點(diǎn):小額信貸 出處:《現(xiàn)代商業(yè)》2016年35期
【摘要】:自二十一世紀(jì)以來(lái),各國(guó)都致力于扶貧工作,消除貧困成為當(dāng)前社會(huì)特別是發(fā)展中國(guó)家的首要突出問題。在我國(guó)進(jìn)入扶貧開發(fā)的新階段后,提出要實(shí)現(xiàn)"兩不愁,三保障[兩不愁,三保障:穩(wěn)定實(shí)現(xiàn)扶貧對(duì)象不愁吃、不愁穿,保障其義務(wù)教育、基本醫(yī)療和安全住房。]"的扶貧目標(biāo),對(duì)于扶貧工作來(lái)說(shuō)有了更高的要求。傳統(tǒng)的利用物質(zhì)資本和人力資本來(lái)進(jìn)行扶貧開發(fā)的效應(yīng)在日益降低,而通過擴(kuò)大農(nóng)戶的社會(huì)網(wǎng)絡(luò),提供異質(zhì)性社會(huì)交往的機(jī)會(huì),增強(qiáng)參與公共事務(wù)的能力與機(jī)會(huì),構(gòu)筑共同的信任體系與協(xié)作規(guī)范,即通過增加農(nóng)戶的社會(huì)資本來(lái)進(jìn)行脫貧,成為了扶貧新的開拓方向。社會(huì)資本能夠增強(qiáng)貧困人口的合作行為,改善小額信貸的效率,提高扶貧政策,進(jìn)而對(duì)于戰(zhàn)勝持續(xù)貧困,增強(qiáng)扶貧項(xiàng)目的有效性有著重要的現(xiàn)實(shí)意義。
[Abstract]:Since the 21 century, all countries have devoted themselves to poverty alleviation, and the eradication of poverty has become the primary and prominent problem in the current society, especially in developing countries. After China has entered a new stage of poverty alleviation and development, it is proposed that "two should not worry," Three guarantees [two no worries, three guarantees: stable realization of poverty alleviation targets without worry about food, clothing, guarantee of compulsory education, basic medical care and safe housing...]. The effects of traditional use of physical and human capital for poverty alleviation and development are decreasing, and providing opportunities for heterogeneous social interaction by expanding farmers' social networks, To enhance the ability and opportunity to participate in public affairs, to build common trust system and cooperative norms, that is, to lift out of poverty by increasing the social capital of farmers. Social capital can enhance the cooperative behavior of the poor, improve the efficiency of microcredit, improve poverty alleviation policies, and then to combat persistent poverty. It is of great practical significance to enhance the effectiveness of poverty alleviation projects.
【作者單位】: 中南民族大學(xué);
【基金】:中南民族大學(xué)大學(xué)生創(chuàng)新訓(xùn)練計(jì)劃國(guó)家級(jí)項(xiàng)目《社會(huì)制裁和社會(huì)關(guān)系對(duì)小額貸款償還率的影響》(項(xiàng)目編號(hào):GCX15017)大力支持,由熊芳老師指導(dǎo)而成的階段性成果
【分類號(hào)】:F832.43;F323.8
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