黄倩, 李姜潞, 刘泽慧, 等. 信贷行为对农村家庭消费结构的影响研究[J]. 云南农业大学学报(社会科学), 2022, 16(6): 94−100. doi: 10.12371/j.ynau(s).202112081
引用本文: 黄倩, 李姜潞, 刘泽慧, 等. 信贷行为对农村家庭消费结构的影响研究[J]. 云南农业大学学报(社会科学), 2022, 16(6): 94−100. doi: 10.12371/j.ynau(s).202112081
HUANG Qian, LI Jianglu, LIU Zehui, ZHANG Zuhan. The Impact of Credit Behavior on Rural Household Consumption Structure[J]. Journal of Yunnan Agricultural University (Social Science), 2022, 16(6): 94-100. DOI: 10.12371/j.ynau(s).202112081
Citation: HUANG Qian, LI Jianglu, LIU Zehui, ZHANG Zuhan. The Impact of Credit Behavior on Rural Household Consumption Structure[J]. Journal of Yunnan Agricultural University (Social Science), 2022, 16(6): 94-100. DOI: 10.12371/j.ynau(s).202112081

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

  • 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。

     

    Abstract: Using 2013—2019 China Household Finance Survey panel data, this paper analyzes the impact of households’ formal 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’ formal credit, ease their credit constraints, improve rural residents’ financial literacy and the social security system, so as to promote rural household consumption, transformation and upgrading.

     

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