农民消费特征检视:由社会保障和信贷方式双重约束  

The Inspection of Farmers' Consumption Characteristics: the Double Constraints of Social Security and Credit

作　　者：姜百臣[1] 马少华[1] 

机构地区：[1]华南农业大学经济管理学院,广东广州510642

出　　处：《改革》2010年第12期126-131,共6页Reform

基　　金：国家人事部留学人员科技活动择优资助项目"社会保障制度缺失下农户消费信贷决策行为机制的实证研究"

摘　　要：在现阶段农民预期性收入不稳定前提下,社会保障的不健全间接地降低了农民的收入预期水平,使农民习惯性地形成依靠高储蓄养老和医疗、低水平生产和消费的现象;同时,由于收入少、信用等级低、缺乏担保和抵押物等原因导致金融机构和农民都对消费信贷的信心不足,进一步降低了预期。应完善农村社会保障体系和促进消费信贷市场的发展,进而提升农户消费需求动力和进一步开拓农村消费市场。Since the peasants＇ expectable income is in an unstable condition,the improper social security indirectly reduces the expectable income level of the peasants,which makes the peasants depend highly on savings for pension and medical care and low level spending on manufacture and consumption;meanwhile,due to the low income,the low credit level,the lack of warrant and pledge,financial institutions have little confident to offer the peasants with consumer credits.We should improve the rural social security system,promote the development of consumption credit markets,and further enhance the power of consumption demand and explore the rural consumption market.

关 键 词：社会保障制度 消费信贷 消费行为 农村居民 

分 类 号：F323.89[经济管理—产业经济]