中文摘要：

基于2010年中国家庭动态跟踪调查数据（CFPS）,本文分析了朋友圈网络和宗族网络对于不同家庭借贷行为的异质效应。在考虑社会网络内生性问题的基础上,研究结果表明：社会网络对家庭融资具有正向作用,在正规渠道中起主导作用的是朋友圈网络,但只影响获得借贷的可能性,而不影响具体的借贷额度;非正规渠道借贷中起主导作用的是宗族网络,同时影响获得借贷的可能性和借贷额度。对于宗族网络而言,强度效应比规模效应更重要,即拥有以祠堂和家谱为宗族联系纽带的家庭更容易获得贷款,而以亲戚拜年人数测度的网络规模没有显著影响;相比＂祠堂＂载体,＂家谱＂载体所代表的宗族联系比较松散,但是覆盖范围更广,其对非正规借贷的影响更为稳健。

英文摘要：

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.