金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2015年
6期
42~46
,共null页
农户借贷 金融服务 福利效应
農戶藉貸 金融服務 福利效應
농호차대 금융복무 복리효응
rural household borrowing;financial services;welfare effect
将农户借贷行为分为是否借贷和借贷来源选择，采用辽宁568个农户家庭的随机入户调研数据，实证分析农户借贷行为的影响因素，并进一步研究农户借贷的福利效应。结果表明：社会关系不强和交易成本较低时，农户倾向于选择正规金融服务；广泛的社会关系和低的交易成本有利于农户借贷，并能提高农户借贷的消费福利效应。
將農戶藉貸行為分為是否藉貸和藉貸來源選擇，採用遼寧568箇農戶傢庭的隨機入戶調研數據，實證分析農戶藉貸行為的影響因素，併進一步研究農戶藉貸的福利效應。結果錶明：社會關繫不彊和交易成本較低時，農戶傾嚮于選擇正規金融服務；廣汎的社會關繫和低的交易成本有利于農戶藉貸，併能提高農戶藉貸的消費福利效應。
장농호차대행위분위시부차대화차대래원선택，채용료녕568개농호가정적수궤입호조연수거，실증분석농호차대행위적영향인소，병진일보연구농호차대적복리효응。결과표명：사회관계불강화교역성본교저시，농호경향우선택정규금융복무；엄범적사회관계화저적교역성본유리우농호차대，병능제고농호차대적소비복리효응。
With 568 rural households’random survey data of Liaoning, this paper analyzes the influence factors of rural household borrowing behavior, which is express as two indexes of whether rural household borrowing and borrowing preference. And further it test on the welfare effect of rural household credit. The results show that the narrow social relationship and lower trade cost would induce rural household to choose formal financial services, while the wide social relationship and lower trade cost have positive effects on rural household borrowing behavior, and can improve the consumption welfare effect of rural credit.
