山东师范大学学报（人文社会科学版）
山東師範大學學報（人文社會科學版）
산동사범대학학보（인문사회과학판）
JOURNAL OF SHANDONG TEACHERS' UNIVERSITY(HUMANITIES AND SOCIAL SCIENCES)
2015年
4期
17-27
,共11页
民间借贷%社会网络%贫困脆弱性%中介效应
民間藉貸%社會網絡%貧睏脆弱性%中介效應
민간차대%사회망락%빈곤취약성%중개효응
private lending%social network%poverty vulnerability%mediating effect
以亲缘关系为主体的社会网络作为传统乡土社会的重要特征，不仅能增加农户当期收入，而且对农村家庭的贫困脆弱性具有显著影响。实证表明，民间借贷对于增加农户当期收入具有较为显著的影响，但却无法显著降低农户家庭的贫困脆弱性，短期的用以弥补资金需求的小额借贷难以从根本上提升农户家庭的财富水平。社会网络通过民间借贷增加农户当期收入的中介效应比例大约在10%左右，可以通过适当扩展农户的社会网络促进民间借贷的发展，从而进一步提升农户的收入水平，降低农户家庭的贫困脆弱性。
以親緣關繫為主體的社會網絡作為傳統鄉土社會的重要特徵，不僅能增加農戶噹期收入，而且對農村傢庭的貧睏脆弱性具有顯著影響。實證錶明，民間藉貸對于增加農戶噹期收入具有較為顯著的影響，但卻無法顯著降低農戶傢庭的貧睏脆弱性，短期的用以瀰補資金需求的小額藉貸難以從根本上提升農戶傢庭的財富水平。社會網絡通過民間藉貸增加農戶噹期收入的中介效應比例大約在10%左右，可以通過適噹擴展農戶的社會網絡促進民間藉貸的髮展，從而進一步提升農戶的收入水平，降低農戶傢庭的貧睏脆弱性。
이친연관계위주체적사회망락작위전통향토사회적중요특정，불부능증가농호당기수입，이차대농촌가정적빈곤취약성구유현저영향。실증표명，민간차대대우증가농호당기수입구유교위현저적영향，단각무법현저강저농호가정적빈곤취약성，단기적용이미보자금수구적소액차대난이종근본상제승농호가정적재부수평。사회망락통과민간차대증가농호당기수입적중개효응비례대약재10%좌우，가이통과괄당확전농호적사회망락촉진민간차대적발전，종이진일보제승농호적수입수평，강저농호가정적빈곤취약성。
Social network with kinship as its main part is an important feature of the traditional local com-munity in China. It can not only increase current income of rural households,but also alleviate poverty vulnerability. Empirical evidence shows that private lending has a significant effect in increasing house-hold income in the current period,but it cannot reduce poverty vulnerability significantly,indicating that it is difficult for short-term micro-credits to raise the wealth levels of rural households fundamentally. And it is estimated that the mediating effect of social networks on the development of rural income is about 10%. This suggests that the government can strengthen social networks to help rural families escape from poverty through private lending.
