外出务工经历对农户正规与非正规信贷的影响——基于中国家庭追踪调查2014农户微观数据的实证分析

摘要基于中国家庭追踪调查(CFPS)2014数据,运用Biprobit模型与Tobit模型,分析外出务工经历对农户正规与非正规信贷的影响,并采用倾向匹配得分模型(PSM)进行稳健性检验。研究结果表明:外出务工经历无法对农户正规信贷可得性形成显著的正向影响,但外出务工经历带来的外部社会网络以及人力资本、技术等形成了农户的“隐性担保”,使得农户更容易获得非正规信贷;外出务工经历不能对农户正规信贷额产生显著的提升作用,但可以显著提升农户获得的非正规信贷额。

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	彭积春
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关键词：外出务工经历正规信贷非正规信贷

Abstract： Adopting the data of CFPS 2014 and both Biprobit and Tobit models, this paper analyzes the influence of labor migration experience on rural households’ formal and informal credit. Then it tests its robustness using PSM model. Study finds that: the labor migration experience doesn’t show any positive impact on the formal credit availability for farmers. However, the social network, human capital and technology brought by labor migration have formed “implicit guarantee” of farmers, which makes it easier for them to obtain informal credit. In addition, the experience doesn’t improve the formal credit volume for farmers, but it can significantly increase the volume of informal credit.

Keywords： Labor Migration Formal Credit Informal Credit

收稿日期 2018-03-15; 接受日期 2018-03-15;

基金资助:国家自然科学基金项目(71273220);湖南省研究生创新项目(CX2017B245)

作者简介: 彭积春(1983— ),男,湖南湘潭人,博士研究生,主要从事农村金融研究;谭燕芝(1962— ),女,湖南株洲人,教授,博士生导师,主要从事农村金融与商业银行管理研究;张子豪(1991— ),男,湖南株洲人,博士研究生,主要从事农村金融研究。

引用本文:

彭积春,谭燕芝,张子豪.外出务工经历对农户正规与非正规信贷的影响——基于中国家庭追踪调查2014农户微观数据的实证分析[J]. 经济经纬, 2018,2: 27-34

PENG Ji-chun, TAN Yan-zhi, ZHANG Zi-hao.Influence of Labor Migration Experience on Formal and Informal Credit for Rural Households——An Empirical Analysis Based on Micro Data from CFPS 2014[J] Economic Survey, 2018,V35(2): 27-34

链接本文:

http://www.jjjw.org.cn/CN/ 或 http://www.jjjw.org.cn/CN/Y2018/V35/I2/27