文章摘要
金融素养影响农户正规信贷获得的内在机制研究——基于需求角度的分析
The effect of financial literacy on internal mechanism of farmers’ formal credit acquisition: An analysis from the demand side
投稿时间:2019-04-02  最后修改时间:2019-06-04
DOI:10.13872/j.1000-0275.2019.0048
中文关键词: 金融素养  正规信贷获得  有效正规信贷  潜在正规信贷  信贷需求  信贷约束
英文关键词: financial literacy  formal credit acquisition  effective formal credit  potential formal credit  formal credit demand  credit constraints
基金项目:国家自然科学基金项目(41301195);国家民委“双一流”建设应用经济学学科引导经费资助;北方民族大学研究生创新项目(YCX19031)
作者单位E-mail
刘自强 北方民族大学经济学院 2010002@nun.edu.cn 
樊俊颖 北方民族大学经济学院 jyfan514@126.com 
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中文摘要:
      降低农户的信贷约束是促进我国农村经济发展和提高农民收入的关键。基于农户信贷需求的角度,利用中国家庭金融调查2013年农村家庭数据,运用Probit模型和Ivprobit模型,分析我国农户正规信贷获得与金融素养之间的关系,探讨农户正规信贷约束在需求层面的内在机制。结果表明,样本中有53.1%的农户受到需求层面的信贷约束,且在农业生产、工商业经营、房屋购建和汽车购置用途上潜在正规信贷需求向有效正规信贷需求的转化较低,分别为47.3%、56.0%、36.1%和52.6%,而有效正规信贷需求向正规信贷获得的转化较高,分别为70.0%、78.6%、74.2%和90.0%。农户金融素养水平的提高可以显著提高其获得正规信贷的可能性,并且可以降低农户因不知道如何申请贷款或对贷款存在认知偏差而产生潜在正规信贷需求的概率,同时可以促进农户将潜在正规信贷需求转化为有效正规信贷需求,进而降低农户受到的正规信贷约束。据此,提出提高农户的金融素养水平,发挥农户社会资本对信息不对称的缓解作用,切实完善和实施土地流转政策的政策建议。
英文摘要:
      Reducing the credit constraints of farmers is a key to promoting the development of China’s rural economy and to increasing farmers’ income. Based on the data collected in China Household Financial Survey of rural households in 2013 and the farmers’ credit needs, this paper empirically analyzed the relationship between farmers’ formal credit acquisition and farmers’ financial literacy and explored the internal mechanism of farmers’ formal credit constraints from the demand side by the Probit model and the Ivprobit model. Results show that 53.1% of farmers are more constrained by credit from the demand side, and the conversion rates from potential formal credit demands to effective formal credit demands in agricultural production, industrial and commercial operation, real estate purchase and automobile purchase are 47.3%, 56.0%, 36.1% and 52.6%, respectively. While the conversion rates from effective formal credit demands to realized formal credit acquisition are 70.0%, 78.6%, 74.2% and 90.0%, respectively. The improvement of farmers’ financial literacy level can significantly increase the chance of obtaining formal credit and reduce the probability that farmers with potential formal credit demand do not know how to apply for loans or have cognitive bias for loans. At the same time, the promotion of financial literacy can encourage farmers to convert potential formal credit demands into effective ones, and then reduce the formal credit constraints imposed on farmers. Therefore, this paper suggests: to improve financial literacy of farmers, to utilize farmers’ social capital to reduce the mitigation effect of information asymmetry, and to improve and implement the land transfer policy effectively.
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