华中农业大学学报（社会科学版）Issue(2)：67-81,15.DOI:10.13300/j.cnki.hnwkxb.2025.02.006
田野里的隐形纽带:社会资本对新型农业经营主体农业信贷担保违约的影响研究
The Invisible Ties in the Field:A Study on The Impact of Social Capital on the Default of Agricultural Credit Guarantee of New Ag-ricultural Business Entities
摘要
Abstract
Whether invisible social capital can be used as a risk control mechanism to reduce the de-fault risk of new agricultural business entities in agricultural credit guarantee financing and promote the sustainable development of agricultural credit guarantee system is an important issue worthy of attention and discussion.Based on the field survey data of new agricultural business entities in Shaanxi,Shanxi and Jiangsu provinces,this paper uses the Probit model to analyze the impact of social capital on the agricul-tural credit guarantee default of new agricultural business entities.The study finds that improving the so-cial capitals of borrowers can effectively reduce their default risk in agricultural credit guarantee financing.Among them,rural social capital has the strongest effect,followed by government social capital,and fi-nancial social capital has the weakest effect.Heterogeneity analysis indicates that younger generations of new agricultural business entities are more susceptible to the effects of social capital in mitigating de-faults.Additionally,agricultural guarantee institutions with smaller paid-in capital scales correlate with higher default risks,though social capital can partially offset this adverse impact.Mechanism analysis shows that enhancing the borrower's willingness and ability to repay loans serves as a key pathway through which social capital reduces the default risk of new agricultural business entities in agricultural credit guarantee financing.These conclusions provide empirical basis and practical insights for promoting the social capital accumulation among new agricultural business entities and refining the risk control strat-egies for agricultural credit guarantee system.关键词
社会资本/新型农业经营主体/农业信贷担保/信贷违约Key words
social capital/new agricultural business entities/agricultural credit guarantee/credit default分类
管理科学引用本文复制引用
胡杰,罗剑朝..田野里的隐形纽带:社会资本对新型农业经营主体农业信贷担保违约的影响研究[J].华中农业大学学报（社会科学版）,2025,(2):67-81,15.基金项目
国家自然科学基金项目"乡村振兴视域下政策性担保双重目标的实践逻辑与治理机制"(72363026) （72363026）
国家自然科学基金面上项目"农业生物资产价值动态评估、抵押融资模式与风险管理政策研究"(72273105) （72273105）
西北农林科技大学经济管理学院研究生科研创新项目"农业信用担保体系风险控制研究"(JGYJSCXXM202303). （JGYJSCXXM202303）
