摘要
为了实现农村地区金融市场的和谐稳定发展,论文以民间借贷市场为视角,立足于家庭资产方,研究外出务工经历对农村家庭资金借出的影响,借助"中国家庭金融调查(CHFS)"数据,运用工具变量法,固定效应模型和倾向得分匹配法等方法进行实证检验。研究发现:第一,外出务工经历能够显著地促进农村家庭资金借出行为,该结果通过了一系列的稳健性检验。第二,机制分析表明,外出务工经历增加了农村家庭的社会网络,进而促进了农村家庭资金借出行为。同时,研究还发现,社会网络越强的农村家庭,外出务工经历对其资金借出的影响越强。第三,异质性结果表明,外出务工时不同的工作类型对其家庭资金借出的影响不同,其中在外务工为打零工和合同工时具有显著影响,在外务工为创业时,其结果不显著。农村家庭金融可得性和教育程度的提高,可以削减外出务工经历对农村家庭资金借出的影响。论文研究首次探究了外出务工经历对农村家庭资金借出的影响,对构建农村金融体系提供了理论借鉴和政策启示。
In order to achieve the harmonious and stable development of the financial market in rural areas,this article takes the private funds lending market as a perspective,based on family assets,and studies the impact of the experience of migrant workers on the funds lending of rural households.This study uses the"China Household Finance Survey(CHFS)"data to conduct empirical tests using various methods such as instrumental variable method,fixed effects model and propensity score matching method.The study found that:firstly,The experience of migrant workers can significantly increase the participation and depth of participation in rural family funds lending,and this result has passed a series of robustness tests;secondly,Mechanical analysis shows that the experience of migrant workers has increased the social network of rural households,which in turn promoted the participation and depth of participation in rural household funds lending.At the same time,the research also found that experience of migrant workers in rural households with stronger social networks have a greater impact on rural households’funds lending;thirdly,The heterogeneity results show that different types of work when migrant workers were employed have different impacts on family funds lending.Among them,when migrant workers were part-time and contract work,their experience have a significant impact on their family funds lending.However,when migrant workers were entrepreneurs,the impact is not significant.The increase in financial availability and educational levels of rural households can reduce the impact of the experience of migrant workers on the funds lending of rural households.This study explores the impact of the experience of migrant workers on the funds lending of rural households for the first time,and provides theoretical reference and policy inspiration for the construction of the rural financial system.
作者
刘茂林
赵明
LIU Mao-lin;ZHAO Ming
出处
《农村金融研究》
2021年第7期41-52,共12页
Rural Finance Research
基金
北京市教育委员会社科计划一般项目“积极老龄化视角下北京市低龄老年人口劳动参与意愿与影响机制研究”(编号:SM202110038005)的阶段性研究成果
关键词
外出务工经历
社会网络
资金借出
民间借贷
Migrant Work Experience
Social Networks
Funds Lending
Private Lending Market
