摘要
针对农村金融联结模式下农户信用水平低融资难的问题,利用小世界网络定义典型农村金融联结的“银行+合作社+农户”的箱型结构融资模式,采用生态学中修正BS模型对末位淘汰机制对农户信用的作用进行建模,通过模拟仿真和实际案例网络的演化结果分析末位淘汰机制对于农户信用水平的影响。结果表明:1)末位淘汰机制对于BCP金融联结模式下的农户整体信用水平有一定的提高效果,但作用力随着时间推移而减弱,需要其他措施辅助;2)随着合作社规模的增加,农户整体信用水平增长的速度也有所减缓,但稳定性提高;3)农户整体信用水平随关联成员数的增加而呈现先增大后减小的趋势,且存在一个局部最优关联成员数。
In view of the problem of rural households’low financing level under the rural financial link⁃age model,and with the help of the box-type financing model of“bank+cooperative+farmer”(BCF)defined by the small-world network,a typical rural financial linkage,the paper adopts the amendment of BS in ecology to build a model to illustrate the role of the elimination-of-the-last mechanism on farmers’credit.Through the simulation and the evolution of the actual case network,the impact of the mechanism on farmers’credit level is analyzed.The results show that:1)The mechanism has improvement effect on farmers’overall credit level under the BCP financial linkage mode,but the force weakens with time and needs to be assisted by other mea⁃sures;2)With the growth of the scale of cooperatives,the growth rate of farmers’overall credit level slows down with the stability improved.3)Farmers’overall credit level has increased first and then decreased with the increase of the number of related members and there is a number of locally optimal associated members.
作者
王惠
王静
WANG Hui;WANG Jing(School of Economics&Management,Northwest A&F University,Yangling,Shaanxi 712100,China)
出处
《农林经济管理学报》
CSSCI
北大核心
2019年第6期717-724,共8页
Journal of Agro-Forestry Economics and Management
基金
国家自然科学基金项目(71873101)
关键词
金融联结
末位淘汰
信用演化
BS模型
小世界网络
financial linkage
final elimination mechanism
credit evolution
BS Model
small world network
作者简介
王惠,女,博士生,主要从事农村金融研究,E⁃mail:wh_htgzy@126.com;通信作者:王静,教授,博士生导师。
