基于消费文化的农村消费信贷发展研究  

Research on Rural Consumer Credit Development Based on Consumer Culture

作　　者：鲁彦男 LU Yannan(Qingdao University,Qingdao 266061,Shandong,China)

机构地区：[1]青岛大学,山东青岛266061

出　　处：《山西师范大学学报（自然科学版）》2022年第4期114-120,共7页Journal of Shanxi Normal University(Natural Science Edition)

摘　　要：运用CFPS 2014、2016年的数据,通过面板数据模型、工具变量法、中介效应模型实证检验了消费文化影响农村消费信贷的具体作用机制.结果表明,代表消费文化的农村居民的较强自我控制力会显著抑制农村消费信贷的发展;而农村居民融入城市消费文化程度越高越有利于促进农村消费信贷的发展;消费文化能够通过影响农村居民的需求层次来影响农村消费信贷.因此减弱农村居民的过度自我控制,加快城乡消费文化融合,转变农村消费文化以提升农村居民的需求层次是加快发展我国农村消费信贷的有效措施.Using CFPS 2014 and 2016 data,this paper empirically examines the specific mechanism of the impact of consumer culture on rural consumer credit through panel data model,instrumental variable method and intermediary effect model.The results show that the strong self-control of rural residents representing consumer culture will significantly inhibit the development of rural consumer credit.The higher the integration of rural residents into urban consumption culture,the more conducive to the development of rural consumer credit;Consumer culture can influence rural consumer credit by influencing the level of rural residents?needs.Therefore,weakening the excessive self-control of rural residents,accelerating the integration of urban and rural consumption culture,and transforming rural consumption culture to enhance the level of rural residents?needs are effective measures to accelerate the development of rural consumer credit in China.

关 键 词：农村消费信贷 自我控制 消费文化 

分 类 号：F832.43[经济管理—金融学] F724.6