金融意识及其对农户借贷选择的影响  

The Effect of Financial Consciousness on the Credit Behavior of Rural Households

作　　者：周天芸[1] 钟贻俊[1] 

机构地区：[1]中山大学国际商学院,广东珠海519082

出　　处：《华南农业大学学报（社会科学版）》2013年第2期73-80,共8页Journal of South China Agricultural University(Social Science Edition)

基　　金：国家社会科学基金项目(09BJY102)

摘　　要：以2006—2008年"汇丰——清华经管学院中国农村金融问题调查"所获得的数据为基础,通过衡量农户的金融意识及其水平,研究金融意识对于农户借贷选择发生的概率和借贷渠道选择的影响。研究发现,金融意识对农户借贷行为存在显著影响,金融意识越高的农户发生借贷的概率越大,选择正规金融机构借贷的概率也越大。The effect of financial consciousness on credit-decision has been focused on in research. Based on the “HSBC-Tsinghua SEM China Rural Area Financial Issues Research” during 2006--2008, this paper measures the financial consciousness of rural households and empirically analyzed the credit behavior of rural household in both formal and informal credit markets. The study finds financial con- sciousness has remarkable effect on the credit behavior of rural households. The higher the financial con- sciousness level of farmers, the more possible they choose to borrow and the more possible they borrow from formal institution.

关 键 词：金融意识 农村金融 金融行为 农户借贷 

分 类 号：F832.43[经济管理—金融学]