金融素养对农户正规金融贷款决策的影响研究  

The Impact of Financial Literacy on Rural Households’Formal Lending Decisions

作　　者：曹瓅 杜祥雨 莫媛[1,2] CAO Li;DU Xiangyu;MO Yuan(School of Finance, Nanjing University of Finance and Economics, Nanjing 210023, China;Business School, Nanjing University, Nanjing 210093, China)

机构地区：[1]南京财经大学金融学院,江苏南京210023 [2]南京大学商学院,江苏南京210093

出　　处：《大连理工大学学报（社会科学版）》2022年第4期63-71,共9页Journal of Dalian University of Technology(Social Sciences)

基　　金：国家社会科学基金青年项目“‘三权分置’背景下宅基地流转的农户响应及生计转型研究”(19CJY034)。

摘　　要：基于江苏省农户调研数据,从信贷意愿、信贷额度和信贷方式3个角度,分别运用Probit、Tobit、Mprobit模型,实证检验了农户金融素养对其正规信贷决策的影响。结果表明:金融素养是影响农户正规信贷决策的重要因素;农户正规信贷申请意愿随着金融素养的提高而降低,金融素养的提升有助于农户根据借贷成本和未来收益进行合理决策;金融素养越高的农户其正规信贷的申请金额越少,其越倾向于保持合理负债;高金融素养的农户偏好信用类贷款和抵(质)押类贷款。因此,相关部门及金融机构应逐步引导农户转变原有的信贷意识,广泛通过宣传、教育和培训的方式提升农户金融素养及信贷知识;要立足农村金融市场创新信贷营销服务模式,多措并举提高从业人员的服务意识,根据不同农户生产生活和信贷资金的需求状况,制定专业化、特殊化服务策略;进一步完善金融政策,拓展普惠金融覆盖面,因地制宜地引导农户有效参与金融信贷市场。Based on the survey data of rural households in Jiangsu Province,this paper uses Probit,Tobit and Mprobit models to empirically test the impact of rural households’financial literacy on their formal lending decisions from three perspectives,such as credit willingness,loan amount and lending ways.The results show that financial literacy is an important factor affecting rural households’formal lending decisions;Rural households’willingness to apply for formal credit decreases with the improvement of financial literacy,which helps these households make reasonable decisions according to the borrowing costs and future earnings;The higher the financial literacy,the less the amount of formal credit application is,the more likely they are to maintain reasonable debt;High financial literacy households prefer credit loans and mortgage loans.Therefore,relevant departments and financial institutions should gradually guide households to be aware of their original credit,and improve their financial literacy and credit knowledge through publicity,education and training.We should innovate the services of credit marketing,take multiple measures to improve the service consciousness of credit employees,and develop specialized service strategies according to the production and living conditions of different rural households and their demand for credit funds.We need to further improve the financial policies,expand the coverage of inclusive finance,and guide rural households to effectively participate in financial credit market according to local conditions.

关 键 词：金融素养 农户 正规金融 贷款决策 

分 类 号：F832.4[经济管理—金融学]