Credit Behaviors of Rural Households in the Perspective of Complex Social Networks

Table 4

Impact of social networks on formal and informal credit behavior.

	(1)	(2)	(3)	(4)
	Formal credit	Informal credit	Formal credit	Informal credit
Social networks	0.173	0.531	0.980	0.414
	(0.048)	(0.072)	(0.298)	(0.473)
Education	0.330	−0.107	0.243	−0.365
	(0.050)	(0.075)	(0.060)	(0.096)
Job	−0.223	0.669	−0.226	0.623
	(0.143)	(0.214)	(0.151)	(0.239)
Gender	0.107	0.155	0.217	0.366
	(0.127)	(0.191)	(0.138)	(0.219)
Health	−0.120	−0.237	−0.272	−0.555
	(0.180)	(0. 027)	(0.189)	(0.299)
Age	−0.004	−0.043	−0.013	−0.070
	(0.007)	(0.010)	(0.007)	(0.012)
Family size	0.081	0.444	0.149	0.670
	(0.159)	(0.239)	(0.165)	(0.263)
Marriage	0.529	0.310	0.377	−0.051
	(0.175)	(0.262)	(0.193)	(0.308)
Politics	−0.278	1.329	−0.608	0.786
	(0.438)	(0.655)	(0.471)	(0.748)
Family income	0.132	−0.039	−0.085	−0.564
	(0.052)	(0.078)	(0.096)	(0.153)
Risk attitude	−0.025	0.192	−0.078	0.099
	(0.091)	(0.136)	(0.096)	(0.153)
Constant	−2.816	1.831	−6.169	−5.556
	(0.717)	(1.076)	(1.428)	(2.269)
N	3037	3037	3037	3037

Note: standard errors in parentheses , , .