贫困地区农户金融素质与信贷约束——基于甘肃省辖集中连片特殊困难地区实地调查

被引：5

作者：

郭学军 ^{[1
,2
]}

杨蕊 ^{[2
]}

刘浏 ^{[3
]}

郭立宏 ^{[1
]}

机构：

[1] 西安理工大学经济与管理学院

[2] 兰州理工大学经济管理学院

[3] 肇庆学院电子与电气工程学院

来源：

兰州大学学报(社会科学版) | 2019年 / 47卷 / 02期

关键词：

金融素质; 信贷约束; 配给机制; 普惠金融; 农户; 甘肃省; 连片特殊困难地区;

D O I：

10.13885/j.issn.1000-2804.2019.02.020

中图分类号：

F832.43 [农业信贷];

学科分类号：

1201 ; 020204 ;

摘要：

缓解贫困地区农户信贷约束问题是今后几年我国推进普惠金融发展的重要环节。要提高针对贫困地区农户信贷服务的供给效率和质量,切实解决金融机构不能有效满足贫困地区农户信贷需求的市场失灵问题,必须首先厘清贫困地区农户信贷约束现状、成因及其形成机理,否则金融扶贫相关政策的制定、涉农金融产品的创新,都将失去客观依据而偏离普惠金融发展的基本要求。从金融素质视角出发,参照刘西川提出的信贷约束及其背后信贷配给机制的统一分析框架,考察了贫困地区农户信贷约束问题的成因及其形成机理。研究发现:样本地区农户同时面临供给信贷约束和需求信贷约束,二者背后的信贷配给方式及其形成机理各不相同。其中,金融素质低下是诱发需求信贷约束的根本原因;鉴于样本地区农户中承受需求信贷约束农户所占的比重明显高于供给信贷约束,而自我配给是其被配给出信贷市场最主要的方式,实施差别化金融教育,有针对性对其金融素质进行干预自然是无法回避的治理之策。

引用

页码：161 / 171

页数：11

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