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社会资本、金融借贷与农户创业行为——基于CFPS数据的实证研究

Social Capital,Financial Lending and Farmer Entrepreneurship Behavior:An Empirical Study Based on CFPS Data
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摘要 本研究使用北京大学中国家庭追踪调查数据(CFPS),基于Probit模型实证分析社会资本对农户创业行为选择的影响。利用中介效应模型,进一步审视社会资本与金融借贷之间可能存在的内在作用关系,分析社会资本如何通过金融借贷影响农户创业行为。研究结果显示,社会资本对农户创业行为具有显著的正向影响,并在使用替换核心解释变量、缩尾处理和更换计量方法之后依然表明结果显著;正规金融借贷和非正规金融借贷均在社会资本对农户创业行为的影响中存在中介效应;社会资本对西部区域的农户创业行为的促进作用更为显著。据此,提出政策建议:未来,政府部门应注重拓宽农户社会资本积累渠道、重视社会资本在农户创业行为中的融资作用、充分发挥欠发达地区农户社会资本对创业活动的促进效应、进一步完善农村地区的正规金融服务体系。 This study used China Family Panel Survey(CFPS)data from the Peking University and analyzed the impact of social capital on the entrepreneurial behavior choices of farmers based on the Probit model.Using the mediation effect model,further examined the potential intrinsic relationship between social capital and financial lending,and analyzed how social capital affects farmer entrepreneurship behavior through financial lending.The research results showed that,social capital had a significant positive impact on the entrepreneurial behavior of farmers,and the results were still significant even after using replacement core explanatory variables,tail reduction treatment,and replacement econometric methods;Both formal and informal financial lending had a mediating effect on the impact of social capital on the entrepreneurial behavior of farmers;The promotion effect of social capital on the entrepreneurial behavior of farmers in the western region was more significant.Based on this,policy recommendations were proposed:in the future,government departments should focus on expanding channels for the accumulation of social capital among farmers,attach importance to the financing role of social capital in the entrepreneurial behavior of farmers,fully leverage the promoting effect of social capital of farmers in underdeveloped areas on entrepreneurial activities,and further improve the formal financial service system in rural areas.
作者 周晨薇 ZHOU Chenwei(College of Economics and Management,Yunnan Agricultural University,Kunming 650201,China)
出处 《云南农业大学学报(社会科学版)》 2024年第5期41-48,共8页 Journal of Yunnan Agricultural University(Social Science)
关键词 社会资本 金融借贷 农户创业行为 中介效应模型 social capital financial lending entrepreneurial behavior of farmers mediation effect model
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