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

Table 5

Impact of emotional and instrumental social networks on rural household credit behavior.

	(1)	(2)	(3)	(4)	(5)	(6)
	Household credit	Household credit	Formal credit	Formal credit	Informal credit	Informal credit
Emotional networks	0.423		0.229		0.278
	(0.095)		(0.059)		(0.091)
Instrumental networks		0.169		0.061		0.142
		(0.024)		(0.015)		(0.023)
Education	0.111	0.088	0.292	0.287	−0.058	−0.082
	(0.068)	(0.068)	(0.042)	(0.042)	(0.065)	(0.065)
Job	0.480	0.460	−0.115	−0.132	0.628	0.615
	(0.195)	(0.195)	(0.120)	(0.120)	(0.187)	(0.187)
Gender	−0.062	−0.050	−0.053	−0.057	−0.005	0.009
	(0.174)	(0.173)	(0.107)	(0.107)	(0.167)	(0.166)
Health	−1.337	−1.331	−0.048	−0.047	−1.416	−1.410
	(0.244)	(0.243)	(0.150)	(0.150)	(0.234)	(0.233)
Age	−0.038	−0.042	0.003	0.001	−0.040	−0.043
	(0.009)	(0.009)	(0.005)	(0.005)	(0.009)	(0.009)
Family size	0.230	0.217	0.026	0.023	0.317	0.305
	(0.216)	(0.215)	(0.132)	(0.132)	(0.207)	(0.206)
Marriage	0.552	0.534	0.294	0.311	0.422	0.392
	(0.233)	(0.232)	(0.143)	(0.143)	(0.224)	(0.223)
Politics	1.446	1.662	0.089	0.188	1.199	1.358
	(0.572)	(0.569)	(0.353)	(0.352)	(0.549)	(0.546)
Family income	0.170	0.119	0.185	0.170	0.065	0.021
	(0.065)	(0.066)	(0.040)	(0.041)	(0.063)	(0.063)
Risk attitude	0.119	0.135	−0.033	−0.032	0.112	0.126
	(0.123)	(0.123)	(0.076)	(0.076)	(0.118)	(0.118)
Constant	3.859	3.664	−2.032	−2.139	4.879	4.737
	(0.892)	(0.889)	(0.549)	(0.549)	(0.856)	(0.853)
N	3984	3974	4001	3991	3984	3974

Note: standard errors in parentheses , , .