社会互动与违约行为——基于中国家庭金融调查的实证研究
投稿时间:2017-11-20  修订日期:2017-11-20  点此下载全文
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作者单位邮编
鲍玮 中南大学 410083
饶育蕾 中南大学 
张灿 中南大学 
基金项目:国家自然科学基金(71673306, 71372063)教育厅项目(17C1324)
中文摘要:基于西南财经大学“中国家庭金融调查”数据,实证分析家庭社会互动水平对银行贷款违约行为的影响。研究结果显示:家庭社会互动程度越高,银行贷款违约率越低。进一步实证表明,家庭借款的来源结构对社会互动的制约效应具有调节作用:相比仅有银行贷款的家庭,社会互动的制约效应对同时拥有银行贷款与非银行借贷的家庭更加明显。实证结果在控制了内生性问题后依然显著。
中文关键词:社会互动  信贷违约  家庭金融
 
Social Interaction and Default Behavior - An Empirical Study Based on China Household Finance Survey
Abstract:Based on the “China Household Finance Survey” data from Southwestern University of Finance and Economics, this paper studies the influence of family social interaction on the bank loan default behavior. The empirical results show that the higher the family social interaction, the lower the default rate of bank loans. Further empirical results show that the source structure of family borrowing has moderate effect on the restrictive effect of social interaction: the effect of social interaction is more significant to households with both bank loans and non-bank borrowings than the households with only bank loans. The results are still significant after considering the endogeneity problem.
keywords:social Interaction  loan default  household finance
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