传统文化习俗下的农村消费性金融需求分析  

Consumers' Financial Demand under the Traditional Culture and Customs

作　　者：郭梅亮[1] 

机构地区：[1]中国人民大学,北京100872

出　　处：《中国经济问题》2011年第1期53-60,共8页China Economic Studies

基　　金："十一五"国家科技支撑计划(2006BAJ07B01);中国人民大学研究生科学研究基金项目(10XNH005)的资助

摘　　要：农村传统文化习俗对农户消费行为有着显著影响,对中国农村消费性金融需求分析应注重对农户经济行为的文化逻辑进行解读。在市场冲击下,农户基于对人情面子等传统文化习俗的重视,会寻求面子成本替换以节约交易费用,这有利于"关系型信用"向"契约型信用"转变,进而促进农村消费性金融发展。因此在中国农村消费性金融的安排中,应充分利用传统文化习俗的特有功能,进行有效整合,这样才能准确理解其真实的市场需求,进而提出切实可行的服务政策。This paper argues that rural traditional culture and customs influence farmers＇ consuming behaviors, so we should demonstrate the cultural logic of farmers＇ economic behaviors in the analysis of the demand of consumer finance. Farmers will seek the replacement of face cost in order to save the transaction expense because of valuing traditional culture and customs such as human sentiment and face under the market impact. That will be conducive to ＂ relationship -based credit＂ to ＂contract - based credit＂ changes, thus promotes the development of consumer finance in rural areas. Under the management of rural consumer finance, we should make the best of special functions of traditional culture and customs, and integrate them effectively. So only a deep understanding of these points, we can accurately grasp the real demand of the consumer financial markets, and then put forward a practical policy of consumer finance in the countryside.

关 键 词：传统文化习俗 市场冲击 消费性金融需求 

分 类 号：G122[文化科学] F832.35[经济管理—金融学]