中文摘要：

以武汉市的农民工群体作为研究对象,通过实地调研,运用GMM估计的计量方法,重点探索农民工的社会资本、民间借贷以及两者之间交互作用对农民工收入水平的影响。研究结果显示农民工的社会资本积累有利于农民工民间借贷的获得,而社会资本和民间借贷的获取都有利于农民工个人的收入水平的提高。但农民工民间借贷对收入水平的影响系数会受到社会资本的调节,现阶段主要表现为社会资本的引入会降低民间借贷对于个人收入水平的影响系数,这说明中国农民工现阶段过多依赖于情感性社会关系网络发展的民间借贷对于提高其个人收入水平的积极影响是有限的。因此,农民工可以通过适当扩展工具性社会资本网络来获取融资服务,从而提升其收入水平。

英文摘要：

Based on the survey of migrant workers in Wuhan,the paper makes an analysis about the impact of the interaction between Migrant Workers＇ individual social capital and private lending on their income using GMM estimation.The results show that the accumulation of social capital of migrant workers is in favor of migrant workers get private lending,and the Migrant Workers＇ social capital and private lending have positively and significantly influence on their income,but the influence coefficient of Migrant Workers＇ private lending on their income levels will be reduced by social capital.Therefore,we suggest that migrant workers should build the instrumental social capital network to lend money,so as to further enhance the level of income.