农户间的借贷行为研究论文.docVIP

摘 要 随着中国金融业对外开放进程的加快以及金融机构改革面临着越来越多的的困境，关于民间金融问题也讨论得更加激烈。目前中国的农村金融服务体系尚未建立完善，不管是在服务观念，服务方式还是经营和管理机制方面都存在许多问题，尤其是农村资金的供给与需求始终不能带到均衡状态。这些都成为民间借贷盛行的重要原因。 本文主要以农户的社会资本为基础，研究农户间的借贷行为。本文首先通过大量的统计数据表明了在农村民间借贷的普遍性，在大量研究前人已有成果的基础上，界定民间借贷、社会资本的范畴。从社会学的角度分析了社会资本在农村民间借贷中的特性：情感性和工具性。从信息经济学、金融学和制度经济学的视角分析了社会资本在农户间借贷活动的作用，包括：1.社会资本可作担保品，这种担保品与借款者还款行为紧密联系，从而对借款人的行为构成约束；2.具有信息优势，农村民间借贷的资金供给者对借款人的信用和收入等相关信息有较高的了解程度，在解决信息不对称所带来的风险和损失问题这一方面有着天然的优势；3社会资本可降低交易成本，农户间的借贷手续简便，效率奇高，从各个方面节约了交易成本；4 .社会资本内生的惩罚机制使得借贷双方自动履约。然后在此基础上用博弈论的研究方法，比较了引入社会资本和不引入社会资本的两种博弈模型，结合社会资本的特性和作用，得出由于社会资本同时兼具抵押担保、信息优势、交易成本优势使借贷双方选择了合作策略。由此，在政策建议的部分，提出发展农户的公民参与意识，帮助农户构建和扩大社会关系网络，积极挖掘并发扬优良传统社会资本和推进集体信贷模式的建议 关键词:社会资本；担保品；信息优势；交易成本；重复博弈 Abstract The essay mainly studied behaviours of chinese farmers in borrowing and loaning contracts,based on social capital which farmers own.First,the essay illustrated the popularity of the informal credit in rural areas by substaintial statistical data and defined and social capital,enlightened by considerable existing research.Then it analysed the role of social capital in the rural informal credit. specifically,first,from a sociological perspective to analyze features of social capital in the private borrowing and loaning in rural areas:emotional and instrumental.Then,from the standpoint of information economics,finance and institutional economics,it analysed the roles of social capital in the lending activities between farmers,and the roles include:(1)collateral,because the collateral and borrowers repayment behaviors closely linked and increased the cost of rejection of the borrowers repayment,which sets a constraint on the behaviours of borrowers;(2)information superiority.The capital providers of private borrowing and loaning in rural areas have a higher understanding of the borrowers credit and income information.Therefore, in terms of solving the problem of information asymmetry arising from