【作者】 陈静；

【导师】 张秋；

【作者基本信息】 河南师范大学 ， 农业硕士（专业学位）， 2023， 硕士

【摘要】 “融资难,融资贵”是农村存在且一直未能完美有效解决的问题,这也限制着农户经济的发展。农村金融供需不平衡是导致融资瓶颈的主要因素,而信息不对称则是供需不平衡的根源。然而,在中国的农村社会中,社会资本是非常重要的资源,如果农户能合理的运用,实现信息的流通,就可以极大程度的降低因信息不对称而带来的风险问题。随着农村社会结构的变化,农民之间的社会资本也发生了分化,这是当前中国农村的典型特征。但很少有研究关注,不同类型农户的社会资本对其经济行为的影响。因此,探究社会资本、农户借贷行为的理论,对于促进农村经济发展、提高农民收入以及解决农村金融难题具有重要意义。基于此,本研究利用中国家庭金融调查数据(CHFS,2015年、2017年、2019年),采用理论分析与实证检验相结合的方法,通过研究发现随着我国城镇化的脚步不断加快,当前农村发生了较大的改变,农村的人口结构、经济发展、收入分配、购买力等发生了变化,由此形成了脱域型社会资本这一全新的社会资本。进一步研究发现农户进行非正规借贷行为与地域性社会网络范围和地域性社会规范之间呈现正向的关系;农户进行非正规借贷行为所产生的金额与地域型社会网络和地域社会规范之间有正向关系,而农户获取正规借贷的金额与脱域型社会网络和社会规范之间的关系不大。该结论通过内生性检验和稳健性检验,结果依然成立。因此,本研究提出了以下政策建议:实现资源有效配置,将不同类型的信任运用到实际。面对当前社会发展对于正规金融的需要,农村应该形成更多的脱域型资本。应向农户提供更全面的金融服务,以此来适应农户为获取借贷而随着市场化发展过程中机制的改变。在全面为“三农”服务的基础上,实现正规金融与非正规金融的共同发展。更多还原

【Abstract】 Financing is difficult and expensive in rural areas and has not been solved perfectly a The main factor in rural financial supply and demand imbalance,which leads to a financing bottleneck,is information asymmetry,thus effectively limiting the development of peasant household economy.imbalance.However,in China’s rural society,social capital is a very important resource.By applying it to farmers in a sensible manner,the risk of information asymmetry can be significantly reduced..The typical feature of China’s rural areas is the differentiation of social capital among farmers,which has been brought about by the alteration of rural social structure.Few investigations have concentrated on the effect of various kinds of farmers’ social capital on their economic conduct.Exploring the theory of social capital and farmers’ borrowing behavior is of great importance in order to foster rural economic growth,augment farmers’ income,and resolve rural financial issues..This study,utilizing the data from the Chinese Household Finance Survey(CHFS,2015,2017,2019),combines theoretical analysis and empirical testing.Through its research,it is revealed that with the intensification of urbanization in China,considerable transformations have occurred in rural areas.areas,such as rural population structure,economic development,and income distribution.Purchasing power and so on have changed.Thus,a brand new social capital is formed.Further research shows that farmers’ informal lending behavior is positively correlated with regional social network scope and regional social norms.The amount generated by farmers’ informal lending behavior has a positive relationship with regional social network and regional social norms,while the amount of farmers’ formal lending has little relationship with out-of-domain social network and social norms.Endogeneity and robustness tests still render this conclusion valid..Therefore,this study puts forward the following policy recommendations: realize effective allocation of resources and apply different types of trust into practice.in the face of the current social development needs for formal finance,rural areas should form more off-domain capital.To ensure farmers are able to adjust to the alterations in their methods during market growth,more comprehensive financial services should be offered to them.obtain loans.Realizing the joint development of agriculture,rural areas,and farmers,is essential.formal and informal finance.更多还原