欠发达地区农户金融知识对信贷违约的影响——以新疆为例  

The Impact of Financial Literacy on Credit Default of Rural Households in Less Developed Areas:An Investigation in Xinjiang Uygur Autonomous Region

作　　者：孙光林 李庆海[2] 李成友[3] 

机构地区：[1]东北财经大学经济学院 [2]南京财经大学经济学院 [3]山东财经大学金融学院

出　　处：《中国农村观察》2017年第4期87-101,共15页China Rural Survey

基　　金：国家自然科学基金青年项目"新型城镇化中失地农民融资困境的形成;现状与治理研究"(项目编号:71503118);国家自然科学基金重点项目"农村金融体系建设管理研究"(项目编号:71133001)的资助;教育部人文社会科学研究青年项目"农户信贷违约及履约激励机制研究:以苏鲁地区为例"(项目编号:14YJC790067)

摘　　要：降低农户信贷违约风险对维护农村金融体系安全和稳定具有重要意义。本文基于2016年新疆地区农户调查数据,实证分析了金融知识对欠发达地区农户信贷违约的影响及其作用机制。研究表明,金融知识对农户信贷违约行为具有显著的负向影响,提高农户金融知识水平有利于降低其信贷违约风险;金融知识发挥作用的主观机制在于提高农户还款意愿,客观机制在于提高农户还款能力;相对于还款能力,金融知识对还款意愿的影响更大。A decrease in credit default risk of rural households has a great significance regarding security and stabilization of the financial system in rural areas. This article uses survey data collected from rural households in Xinjiang and analyzes the impact of ntml households＇ financial knowledge on their credit default. The results show that financial literacy exerts a significant negative impact on credit default of rural households, which means that increasing their financial knowledge is an effective way to reduce the risk of their credit default. The subjective mechanism of the effectiveness of financial knowledge lies in its role in increasing the repayment willingness of rural households, whereas the objective mechanism is effective in increasing their repayment ability. But financial knowledge has a greater impact on their repayment willingness than ability.

关 键 词：金融知识 信贷违约 欠发达地区 农户 

分 类 号：F832.2[经济管理—金融学]