信贷行为对农村家庭消费结构的影响研究  

The Impact of Credit Behavior on Rural Household Consumption Structure

作　　者：黄倩[1,2] 李姜潞 刘泽慧 张祖函 HUANG Qian;LI Jianglu;LIU Zehui;ZHANG Zuhan(School of Finance,Southwest University of Finance and Economics,Chengdu 611130,China;School of Finance,Yunnan University of Finance and Economics,Kunming 650221,China)

机构地区：[1]西南财经大学金融学院,四川成都611130 [2]云南财经大学金融学院,云南昆明650221

出　　处：《云南农业大学学报（社会科学版）》2022年第6期94-100,共7页Journal of Yunnan Agricultural University(Social Science)

基　　金：云南省基础研究计划一般项目“数字普惠金融对农户生计策略的影响机理与作用机制研究”(202201AT070176);中国博士后科学基金第69批面上资助项目“家庭财富代际转移影响子女择业的效应及机制研究”(2021M692664);国家自然科学基金面上项目“中国农村普惠金融发展的市场竞争机制、生成条件与政策创新——基于金融市场竞争溢出效应和门槛效应及其影响因素的实证”(71873118)。

摘　　要：本文利用2013—2019年中国家庭金融调查面板数据,分析家庭正规与非正规借贷行为对农村家庭消费结构的影响。结果表明:家庭正规与非正规信贷的发生及规模的增加均对农村家庭消费起促进作用;农村家庭信贷行为有利于提高农村家庭消费质量促进消费结构转型升级,对发展型消费的作用最大、享受型消费次之,生存型消费最小,并且,正规信贷的促进作用大于非正规信贷。在我国,无论是正规信贷还是非正规信贷,与对城镇家庭消费的影响相比,均对农村家庭的消费促进作用更大。基于以上结论,本文认为应在建立规范良好的个人信贷环境基础上,重点支持农村家庭正规信贷,缓解其信贷约束,并且提高农村居民金融素养水平和健全社会保障制度,以促进农村家庭消费及转型升级。Using 2013—2019 China Household Finance Survey panel data,this paper analyzes the impact of households’f ormal and informal borrowing behavior on rural household consumption structure and examines urban-rural heterogeneity.The research results show that:the occurrence and scale of household formal and informal credit both promote rural household consumption.Rural household credit behavior is conducive to improving the quality of rural household consumption and promoting the transformation and upgrading of consumption structure,Specifically,this promotion has the greatest effect on development consumption,followed by enjoyment consumption,and survival consumption.Moreover,the role of formal credit is greater than that of informal credit.In China,both formal credit and informal credit,together with urban household consumption,play a greater role in promoting rural household consumption.Based on the above conclusions,this paper believes that on the basis of establishing a standardized and good personal credit environment,we should focus on supporting rural households’f ormal credit,ease their credit constraints,improve rural residents’f inancial literacy and the social security system,so as to promote rural household consumption,transformation and upgrading.

关 键 词：信贷行为 农村家庭消费 生存型消费 发展型消费 享受型消费 

分 类 号：F832.4[经济管理—金融学]