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| The Efficient Social Networks in Household Credit: Friendship or Kinship? |
| LIN Jianhao, WU Bingyan, LI Zhongda
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| Lingnan College, Sun Yat-Sen University |
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Abstract Based on the data of 2010 Chinese Family Panel Studies (CFPS), this paper analyzes the heterogeneous impact of friendship networks and kinship networks on different household credit behavior. The results show that: Social networks have positive effects on the access to household credit and the heterogeneous impact varies with sources of credit. Friendship networks play leading roles in the formal credit, but only affect the possibility of household credit and have no effect on the credit amount. The kinship networks have significant positive effects both on the possibility and the amount of the informal credit. The strength effect is more important than the scale effect for the kinship network. Households that bond with kinship bases on the ancestral temple and genealogy can access to informal credit easier, and the scale of kinship measured by the numbers of relatives visit has insignificant effect. Compared with “ancestral temple” carrier, the “genealogy” carrier has loose connection but covers a broad scope, and plays a more robust role in informal credit.
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Received: 20 July 2015
Published: 01 January 1900
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