CAJ | 학술논문

不同于以往农户借贷行为的研究，本文将贷款可得性分解为有效借贷机会和贷款需求缺口两部分，运用西部11省1291户农户的调研数据，分别研究家庭特征、合同内容和社会资本对农户贷款可得性具体方面的不同影响。研究发现：合同内容无益于农户贷款可得性的提升；社会资本能显著提高农户的有效借贷机会，家庭特征则对贷款需求缺口有显著影响，两者分别是正规金融机构决策是否提供贷款和发放贷款的具体额度时所关注的重要指标。
불동우이왕농호차대행위적연구，본문장대관가득성분해위유효차대궤회화대관수구결구량부분，운용서부11성1291호농호적조연수거，분별연구가정특정、합동내용화사회자본대농호대관가득성구체방면적불동영향。연구발현：합동내용무익우농호대관가득성적제승；사회자본능현저제고농호적유효차대궤회，가정특정칙대대관수구결구유현저영향，량자분별시정규금융궤구결책시부제공대관화발방대관적구체액도시소관주적중요지표。
Be different from previous researches, this paper decomposes the rural households ’ credit availability into effective credit opportunities and credit demand gap. Then analyzes the effect of family characteristics, contract content and social capital respectively based on the survey data from 11 provinces of western China by establishing Probit model and Tobit model. The empirical results show that contract content is not conducive to promote credit availability. Social capital has significant effect on effective credit opportunities, while family characteristics have significant effect on credit demand gap. Both social capital and family characteristics are important indicators of formal financial institutions ’ decision.