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The Research on Financial Development from the Perspective of the Poor’s Social Capital

Author: ChangRui
Tutor: NieFuQiang
School: Southwestern University of Finance and Economics
Course: Technology Economics and Management
Keywords: Poor families Social Capital Financial Development Empirical
CLC: F124.7;F832
Type: Master's thesis
Year: 2011
Downloads: 185
Quote: 1
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Abstract


In the new era, the relative poverty has become the core of the current phase of the problem of poverty. Meanwhile, the financial development lags caused by poor families low income property issues, anti-poverty policies have an impact on the performance of one of the major bottlenecks. Overall, the financial situation of poor families mainly: financial assets but only a small number of structural imbalances, the risk is very low proportion of assets; due to lack of physical collateral and difficult to obtain commercial loans, generating financing needs can only resort to private lending and other non-formal channels, the situation in rural areas is particularly prominent. Improve the financial situation of poor households is undoubtedly right to reverse the income gap, reducing relative poverty, thereby promoting healthy economic development and social harmony and stability has important practical significance. Research on poverty, in addition to physical capital and human capital perspective, the social capital has become the focus of scholars. Social capital is raised by a sociologist in the 1990s and into the analytical framework of economics concept of sustainable development has been included in the United Nations is one of the four capital. The lack of social capital is one of the major causes of poverty, fostering social capital of the poor to improve their own situation is also an important means of poverty, the international community has no shortage by building and use of social capital to alleviate poverty successful examples. In view of social capital, financial development and poverty among the objective existence of necessary connection, through the cultivation and promotion of social capital of poor families to improve their financial situation and thus achieve the ultimate goal of poverty reduction, is undoubtedly one worth trying new initiatives. Domestic financial development of social capital and related research, mostly based on the macro perspective, the national or regional time series data analysis, study of social capital and thus the national or regional financial development role in promoting. Micro-level social capital to promote financial development research is not rich, social capital and household financial combination of research is particularly scarce, and such studies are often ordinary household objects, considered less poor families. Based on the typical areas of research collected data were analyzed from poor families, enrich the relevant case studies. This paper from household financial assets and liabilities of both social capital on poor families to improve their financial situation in order to alleviate the effects of poverty. Because lower income levels of poor families, poor families and the lack of specific financial products, narrow financial market financing channels has not yet spread to poor families (especially in China's backward regions and rural areas). So poor families for commercial deposits of non-savings insurance, securities, financial derivatives, such as credit card and check the level of understanding of financial products low, and poor little actual demand, savings deposits remains its most important financial asset, a handful of a small amount of securities held by households, which is still the main mode of financing to financial institutions (commercial banks and credit cooperatives) and to private borrowers two kinds of loans. Combined with the actual research situation, the paper studies structural social capital and cognitive social capital on household financial assets holdings, commercial credit, private lending to reflect the impact of social capital on the financial situation of poor households to improve the role. Main contents of each chapter are as follows: The first chapter is an introduction. First proposed the research background and describes the academic research and practical significance; Secondly, this study illustrate ideas, structural arrangements, chapter settings, etc.; Finally, outlining the research methods. The second chapter is literature review is divided into three. First, a brief overview of the definition of social capital, measurement and applied research, the current academic definition of social capital defined yet agreed, the operation of the measure, there are a lot of controversy, this research-based definition of social capital given purpose. Research was followed by financial development, financial development of the surface is very broad, research-rich, so only based on research purposes, a brief overview of the theoretical study of financial development process, the impact of financial development factors, family finance related research in three areas. Finally, an overview of the development of social capital affect the financial research literature, foreign research focuses on social capital and its components on the national, regional, economic entities (businesses, households, etc.) the impact of financial development, including social capital on domestic research area , rural, family, farmers, corporate finance development. The third chapter is based on poor families financial development of social capital theory perspective, this is the empirical analysis of the theoretical groundwork. The first is the measure of poor families theoretical analysis of social capital, in view of structural and cognitive social capital affect each other, mutually reinforcing relationship between the two should be separately measure in order to avoid duplication of information. Secondly, since the objective of the structural dimension of social capital and subjective cognitive dimension of social capital have influence on the family financial situation, were therefore analyzed the structural and cognitive social capital on household financial assets holdings, commercial credit, private lending and other aspects of the impact mechanism. Finally theoretical hypothesis to be tested: Social capital and the amount of household financial assets held, family business facilities, family folk borrowings are positively correlated. The fourth chapter is based on poor families Perspective of Social Capital empirical analysis of financial development, which is the core part of this article. First, data sources, selection and variable selection method will be described. Secondly, from the subjective and objective dimensions of selected indicators by SPSS software using factor analysis separately measure the structural and cognitive social capital, then use the WLS regression model was established to examine and verify the structural social capital and cognitive social capital household financial asset holdings, commercial facilities and the amount of private lending. The results showed that the level of social capital of poor families with three dependent variables were significantly positively correlated with theoretical assumptions consistent with the actual situation and make the appropriate reasonable explanation. Finally, the comparative analysis of social capital affect urban and rural poor household financial status differences, the results show urban and rural poor families structural and cognitive social capital of its holdings of financial assets and the amount of private lending are quite different. Chapter V of conclusions and recommendations. Firstly, this paper summarizes the theoretical conclusions drawn from the analysis specification, specifically: poor families, social capital can be accumulated their investment and bring some income or convenience; social capital through a network of relationships, social interaction, trust, cooperation, participation , standardized system of moral values ??and other objective and subjective factors play a role, to improve poor families holdings of financial assets and access to commercial credit rate; social capital in poor families and relatively closed network of relationships within a narrow private lending plays a positive role in promoting the network of relationships outside the limitations embody the negative, positive role in promoting the limitations may be greater than the negative. Secondly, summarize empirical conclusions: first, the structural social capital and cognitive social capital both for urban and rural poor household financial assets holdings have a significant positive impact, but the impact is greater than cognitive structure type; Second, the structure of social capital for poor households commercial facilities have a significant positive impact on its cognitive social capital has no significant positive impact; Third, cognitive social capital amount of private lending to poor households have significant positive impact on the structure of their social capital have no significant negative impact. Finally, combining theoretical and empirical analysis, from the perspective of social capital proposed to improve financial conditions in poor families in order to promote financial development in order to alleviate poverty in specific policy recommendations, are: to guide poor families to change their ideas, attention to the cultivation of social capital; give full play to the enthusiasm of the government role in helping poor families build and expand the social network; establishment and development of modern society and market economy to adapt to the new system of trust; establish a sound basis for social capital as the urban and rural poor strata of microcredit and UNPROFOR loan system; specification private lending, and actively play the role of social capital; urban and rural financial development and so on. Compared with previous studies, this article is quite innovative places reflected in the following aspects: First, the article will be microscopic quantification of social capital, the introduction of household financial research, breaking the domestic research in difficult social factors directly into dilemma; Second, this article from poor families financial assets, commercial credit, private lending jointly examine three aspects of social capital to improve its financial situation the role of more comprehensive than previous studies; Third, the paper will social capital made a subjective and objective dimensions of decomposition and analysis of proposed cognitive social capital and structural social capital, social capital were rendered subjective and objective representation, both as cause and effect, with a strong correlation and convergence of views, etc., in addition to construct indicators measure a poor family structure and cognitive social capital stock of social capital, and were analyzed and validated to improve both the impact of household financial situation; Fourthly, social capital and family study of private lending Conclusion mostly show a negative correlation between the two, but this paper, the reality of poor families in China this in-depth analysis, the noted social capital on private lending positive and negative role in promoting the objective limitations exist, putting forward its positive effects than negative theoretical assumptions and limitations can be verified, this analysis is quite innovative. As academic standards, documentation, sample data is limited, there are deficiencies in this paper, it is particularly noteworthy issues: first, the selection for the poor family's social capital measurement indicators may owe complete, does not reflect the entire social capital information, some important information not included in the quantitative measure of social capital index system; Second, because poor families intimacy Quannei Wai were unable to measure social capital, social capital, it is difficult to identify private lending to poor households exert positive influence on the scope of how to identify relationships Quannei Wai social capital, in order to determine its positive effect on the scope of private lending is one of the issues worthy of further study; Third, by the survey questionnaire limitations, this paper can not analyze and validate social capital on household financial the impact of asset structure, how to modify the survey questionnaire, expanding information and data in order to further research based on poor families financial development of social capital perspective, the next stage is one of the problems to be solved. Finally, the article by Professor Nie Fuqiang chaired by the National Social Science Fund Project \antipoverty policy performance management theory and empirical research \

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