农户借贷行为与社会资本的关系研究

• 作 者: 陈凯峰 刘章艳 刘娜
• 机 构: 湖南大学金融与统计学院,
• 出 处: 时代金融
• 发表日期: 2013年06期
• 关键词: 农户 借贷 社会资本 关系

随着经济的发展,农户对农村金融服务的需求日益提高,正规金融服务的严重缺位以及金融抑制效应的影响,使得民间金融发育滞后,特别是农村信贷更成为稀缺性资源,融资难成为制约村民增收和农村发展的关键。本文以社会资本为突破口,集中以湖南省长沙市宁乡县的300多农户为对象,以问卷调查、对农户和农村信用社工作人员深度访谈的方式,研究了社会资本对农户信贷的影响机制及效果。

With the development of economy, farmers’ demand for rural financial services is increasing day by day. The serious absence of formal financial services and the effect of financial repression make the development of private finance lag behind. Especially rural credit has become a scarcity resource, making financing difficult. The key to increasing villagers’ income and rural development. Taking social capital as a breakthrough point, this paper focuses on more than 300 peasant households in Ningxiang County, Changsha City, Hunan Province. By means of questionnaires and in-depth interviews with peasant households and rural credit cooperatives, this paper studies the impact mechanism of social capital on peasant household credit And the effect.