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本文利用中国家庭追踪调查数据库(CFPS)2010年的家庭问卷数据库,基于正规金融机构、亲戚朋友、民间借贷机构三类主要农户融资渠道,研究了农户社会网络、从业类型、经济收支、家庭特征对其借贷行为的影响机制。结果表明:良好的社会网络有助于农户正规金融机构贷款与亲戚朋友借款,其对正规金融机构贷款的推动作用更大。经营非农产业刺激了农户的借贷需求,按正规金融机构、亲戚朋友、民间借贷组织的顺序,其借贷金额增量逐渐增大。存款少、现住房市价低、农业生产经营成本高的农户更倾向于向亲戚朋友借款。农户的家庭收入、现住房市值、智力水平的提升有助于农户的正规金融机构贷款。
Based on the household questionnaire database of China Household Follow-up Survey (CFPS) 2010 and based on the financing channels of three main types of households, including regular financial institutions, relatives and friends, and private lending institutions, this paper studies the social network, types of employment, economic income and expenditure, family characteristics Impact on lending behavior. The result shows that a good social network can help farmers to borrow money from their relatives and friends when they borrow money from their regular financial institutions, and their contribution to the loans of the regular financial institutions is even greater. Operating non-agricultural industries stimulated the needs of farmers’ borrowing. According to the order of regular financial institutions, relatives and friends, and non-governmental lending organizations, the amount of lending increased gradually. Small deposits, housing prices are low, the high cost of agricultural production and management of farmers are more likely to borrow money from relatives and friends. Family income of farmers, the current market value of housing, improve the level of intelligence to help farmers in the formal financial institutions loans.