中国家庭借贷需求与借贷渠道的偏好分析——基于亲缘关系的视角

被引：18

作者：

饶育蕾

周湾湾

陈地强

机构：

[1] 中南大学商学院

来源：

金融论坛 | 2021年 / 26卷 / 05期

关键词：

亲缘关系; 兄弟姐妹数量; 家庭借贷需求; 关系型借贷; 非关系型借贷;

D O I：

暂无

中图分类号：

F832.4 [信贷];

学科分类号：

020219 [财政学（含：税收学）];

摘要：

基于中国家庭金融调查数据(CHFS),本文实证分析亲缘关系对中国居民家庭借贷需求与借贷渠道偏好的影响。研究表明,以户主直系兄弟姐妹数量为代理变量的亲缘关系对家庭借贷需求有显著的正向影响;亲缘关系强(即兄弟姐妹个数多)的家庭更倾向于关系型借贷;亲缘关系弱的家庭更倾向于银行等机构为主的非关系型借贷;亲缘关系强的家庭因教育的摊薄效应和相对更低的学历水平,难取得非关系型借贷优势,从而产生更多关系型借贷。

引用

页码：28 / 39

页数：12

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