【摘要】 不同类型的社会关系网络支持下的农户民间借贷或金融机构贷款的融资条件存在差别,进而会影响农户收入水平。通过对中国6个省份的14个乡镇的调研数据进行实证分析,研究结论显示:社会"强关系"网络规模可以提高民间借贷和金融机构贷款对农户家庭收入的影响系数;"弱关系"网络规模在提高金融机构贷款对收入的影响系数方面发挥更积极的效应;社会关系成员地位对于提升金融机构贷款和民间借贷的收入效应都具有积极的影响;社会弱关系网络可以帮助农户获得更多的民间借贷,但不利于其收入的提高;相对贫穷家庭的社会关系网络难以发挥显著提高借贷收入效应的积极作用。因此,应该采取支持贫困农户发展社会关系网络,选择不同类型社会关系网络支持的借贷,规范发展民间金融等措施,从而使社会关系网络发挥出对借贷收入效应的积极影响。更多还原

【Abstract】 There are differences in the financing conditions of farmers’ private loans or loans from financial institutions supported by different types of social network, which will affect the income level of farmers.Based on the survey data of rural areas in China, the results show that the strong social network scale can help farmers get more loans to private lending and financial institutions, and improve household income.The scale of the weak relational network plays a more active role in improving the influence coefficient of the loan of the financial institutions to the income. social member status has a positive effect for the income effect rise of the loan of the financial institutions and private lending; weak social network is not conducive to raising the income of poor families; the social relation network of poor farmers can not significantly improve the positive influence of lending on income. Therefore, we should support the development of the poor peasant’s social network, Choose different types of social networks to support lending,standardize the development of informal finance.更多还原