金融研究
金融研究
금융연구
Journal of Financial Research
2013年
9期
136~149
,共null页
宗族网络 农村融资 自主创业
宗族網絡 農村融資 自主創業
종족망락 농촌융자 자주창업
Lineage networks ; Microfinance ; Entrepreneurship
运用农业部的固定观察点调查和中国经济研究中心的补充调查数据,本文考察了宗族网络对农民创业的影响、作用机制及宗族网络作用随市场化的变化。我们发现:(1)以家庭姓氏的人口比例衡量的宗族网络规模对家庭创业的影响不大,而真正发挥作用的是宗族网络的强度。姓氏宗族修建祠堂为内部成员间的交流协作提供一个基础和可能性,使得他们更便利地获取创业机会;(2)宗族网络的强度有助于提高家庭的民间融资额,为农民的创业行为提供资金支持,从而有助于创业;(3)在正规金融机构相对缺乏的村庄,以宗族组织为基础形成的民间借贷网络对自主创业的影响会更大。
運用農業部的固定觀察點調查和中國經濟研究中心的補充調查數據,本文攷察瞭宗族網絡對農民創業的影響、作用機製及宗族網絡作用隨市場化的變化。我們髮現:(1)以傢庭姓氏的人口比例衡量的宗族網絡規模對傢庭創業的影響不大,而真正髮揮作用的是宗族網絡的彊度。姓氏宗族脩建祠堂為內部成員間的交流協作提供一箇基礎和可能性,使得他們更便利地穫取創業機會;(2)宗族網絡的彊度有助于提高傢庭的民間融資額,為農民的創業行為提供資金支持,從而有助于創業;(3)在正規金融機構相對缺乏的村莊,以宗族組織為基礎形成的民間藉貸網絡對自主創業的影響會更大。
운용농업부적고정관찰점조사화중국경제연구중심적보충조사수거,본문고찰료종족망락대농민창업적영향、작용궤제급종족망락작용수시장화적변화。아문발현:(1)이가정성씨적인구비례형량적종족망락규모대가정창업적영향불대,이진정발휘작용적시종족망락적강도。성씨종족수건사당위내부성원간적교류협작제공일개기출화가능성,사득타문경편리지획취창업궤회;(2)종족망락적강도유조우제고가정적민간융자액,위농민적창업행위제공자금지지,종이유조우창업;(3)재정규금융궤구상대결핍적촌장,이종족조직위기출형성적민간차대망락대자주창업적영향회경대。
This paper examines the hypothesis that the higher probability of entrepreneurship in rural China is due to the existence of social networks that provide mutual formal or private loans to their members. A unique panel data is captured by the National Fixed -point Survey (NFS) and the retrospective survey on Chinese vil- lage elections from China Center for Economic Research (CCER). Our key finding is that rural households as- sociated with the ancestral hall or coming from denser lineage networks are more likely to establish a business, while the scale of lineage networks embodied in the household surname population size facilitates entrepreneur- ship to a much lesser extent. Further econometric analysis has shown that households from a more cohesive line- age network are more likely to get private loans. We also find that in rural China where formal financial services are severely lagging behind, lineage networks play a complementary role in supplying private credit and thus promoting entrepreneurship.