金融素养对农户正规借贷行为的影响研究
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本文以西南财经大学中国家庭金融中心（CHFS）最新公布的2017调查数据为样本, 该数据由西南财经大学中国家庭金融中心（CHFS）每两年在全国范围进行的追踪调查 所得，其调查范围涉及全国25个省（市、区），80个县、320个村（居）委会，旨在 全面了解我国家庭金融的状况。本文研究的是农户正规借贷。因此釆用的是该年农村家 庭样本，并通过Probit模型进行实证分析，探究金融素养对农户正规借贷可得性以及满 足度的影响。研究结果表明：（1）我国大部分农户存在借贷需求且以正规借贷需求为 主；有效正规借贷需求在正规借贷需求中所占比例偏低，而潜在正规借贷需求所占比例 偏高。（2）我国农户正规借贷可得性与满足程度较低，我国农户的借贷方式仍然以非 正规借贷为主。（3）我国农户正规借贷可得性以及满足度较低的主要原因是农户“收入较低”预期还款能力较弱；而产生潜在正规借贷需求的主
3.2.2Measurement of Farmers' Financial Literacy24
3.3Summary of This Chapter26
Chapter IV analyzes the impact of financial literacy on farmers' formal lending behavior27
2.1Concept Definition15
2.1.1Financial Literacy15
2.1.2Fanners' Borrowing Behavior15
2.1.3Fornial Finance And Infbmial Finance16
2.2Relevant Theoretical Basis16
1.5.2论文的不足之处14
第二章概念界定与理论基础15
2.1概念界定15Fra bibliotek2.1.1金融素养15
2.1.2农户借贷行为15
2.1.3正规借贷与非正规借贷16
2.2相关理论基础16
2.2.1农村金融发展理论16
2.2.2信息不对称理论17
2.2.3信贷配给理论18
2.2.4金融排斥理论19
2.3本章小结19
4.2.3Model Regression Results30
4.2.4Analysis of Model Regression Results31
4.3Robustness Test32
4.4Summary ofThis Chapter33
Chapter V Research Conclusions And Policy Recommendations34
Ability36
Reference37
Acknowledgement41
摘 要
借贷作为农户重要的经济行为，是农村借贷市场的重要组成部分。当农户需要扩大 生产或是平滑消费时，通常需要较多的资金，当农户自有资金无法满足时就需要借贷。 而银行等正规借贷渠道作为农户借贷的首选渠道，具有借贷成本低、安全系数高、借贷 额度高等优点，但是农户正规借贷可得性以及满足度很大程度上受农户对于金融知识的 理解和运用能力的限制，而农户对于金融知识的理解与运用能力就是农户的金融素养。 换言之，农户正规借贷行为受到农户自身金融素养水平的影响，并呈现出不同的正规借 贷可得性以及满足度。本文研究金融素养对农户正规借贷行为的影响，对探究金融素养 与农户正规借贷行为之间的内在联系具有深刻的意义，同时也为农村借贷市场的改革与 发展提供一定的政策建议。
4.2Financial Literacy of Farmers Formal Credit Availability and Satisfaction for
Influence of Empirical Analysis29
4.2.1Variable Selection29
4.2.2Model Setting And Description30
Contents
Chapter III Statistical Analysis of Farmers' Loan Description And Financial Literacy Measurement20
3.1Data Sources And Basic Information of Fanners20
1.1Research Background And Significance4
1.1.1Research Background4
1.1.2Research Significance5
1.2Review of Domestic And Foreign Research5
1.2.1Foreign Research Status5
1.1.2研究意义5
1.2国内外研究综述5
1.2.1国内研究现状5
1.2.2国外研究现状9
1.2.3文献评述11
1.3研究目标与研究内容11
1.3.1研究目标11
1.3.2研究内容12
1.4研究方法与技术路线图12
1.4.1研究方法12
1.4.2技术路线图13
1.5创新之处与不足14
1.5.1论文的创新之处14
5.1Research Conclusion34
5.2Policy Recommendations34
5.2.1Government Departments ShouldStrengthen The Financial Knowledge
Education ofFarmers, And Fundamentally Improve The Financial Literacy Level ofFarmers35
沈阳农业大学有权保留本论文的纸质文本和电磁介质文本有权允许他人查阅和借阅本论文各种文本有权采用影印缩印或扫描等方式复制保存汇编本论文有权以不同方式在媒体上发表传播本学位论文的内容
全日制农业硕士学位论文
金融素养对农户正规借贷行为的影响研究
摘 要1
Abstract2
第一章绪论4
1.1研究背景与意义4
1.1.1研究背景4
第三章农户借贷描述统计分析与金融素养测度20
3.1数据来源及农户基本情况20
3.1.1数据来源20
3.1.2样本农户基本情况20
3.2农户借贷情况及金融素养测度21
3.2.1农户借贷情况描述性统计分析21
3.2.2农户金融素养测度24
3.3本章小结26
第四章金融素养对农户正规借贷行为的影响分析27
4.1金融素养影响农户正规借贷可得性及满足度的机理分析27
4.1Analysis On The Mechanism of Financial Literacy Affecting The Availability
And Satisfaction ofFarmers' Fonnal Lending27
4.1.1Direct Impact27
4.1.2Indirect Impact28
1.4.1Research Methods12
1.4.2Technology Roadmap13
1.5The innovation and deficiency14
1.5.1Innovation14
1.5.2Deficiency14
Chapter II Concept Definition And Theoretical Basis15
最后，根据研究结论，从政府、金融机构以及农户角度提出提高我国农户金融素养 水平，加快金融机构发展和创新的政策建议，最终目的在于提高我国农户正规借贷可得 性以及满足度，满足农户对于生产生活的资金需求。
关键词：农户，金融素养，正规借贷，CHFS
Abstract
Abstract
As an important economic behavior of fanners, lending is an important part of rural lending market. When fanners need to expand production or smooth consumption, they usually need more capital, and when fanners' own funds can not meet the need to borrow. As the preferred channel fbr fanners to borrow, banks and other fbnnal lending channels have the advantages of low borrowing cost, high safety factor and high loan limit, but the access and satisfaction of farmers' fbrmal lending are largely limited by fanners' understanding and ability to use financial knowledge, and fanners' understanding and application of financial knowledge is fanners' financial literacy. In other words, farmers' fbrmal lending behavior is influenced by fanners' own level of financial literacy, and shows diflerent fbrmal lending adability and satisfaction. This paper studies the influence of financial literacy on fanners' fbrmal lending behavior, which is of profound significance to explore the intrinsic relationship between financial literacy and farmers' fbrnial lending behavior, and also provides some policy suggestions fbr the reform and development of rural lending market.
要原因是农户“不知道如何申请”。（4）我国农户的金融素养水平偏低，且不同 农户之间金融素养水平差距较大，我国农户的金融素养水平有待提高。（5）金融素养 水平对农户正规借贷可得性以及满足度具有显著的正向影响，即农户的金融素养水平越 高农户正规借贷可得性以及满足度就越高。另外釆用工具变量法对实证回归结果进行稳 健性检验。
5.2.1政府部门要加强农户的金融知识教育，提升农户的金融素养水平..35
5.2.2完善农村地区金融机构的服务功能，加快农村金融体系创新35
5.2.3加强金融知识学习，提升金融能力36
参考文献37
致谢41
Contents
Chinese Abstract1
English Abstract2
Chapter I Introduction4
3.1.1Data Sources20
3.1.2Sample Farmers Basic Situation20
3.2The Fanner Credit and Financial Literacy Measure21
3.2.1Peasant Household Borrowing is Descriptive Statistical Analysis21
5.2.2Improve The Service Function ofFinancial Institutions In Rural Areas
And Accelerate The Innovation ofRural Financial System35
5.2.3Strengthen Financial Knowledge Learning And Improve Financial
2.2.1Rural Financial Development Theory16
2.2.2Information Asymmetry Theory17
2.2.3Credit Rationing Theory18
2.2.4Financial Exclusion Theory19
2.3Summary of This Chapter19
4.1.1直接影响27
4.1.2间接影响28
4.2金融素养对农户正规借贷可得性及满足度影响的实证分析29
4.2.1变量选择29
4.2.2模型设定与说明30
4.2.3模型回归结果30
4.2.4模型回归结果分析31
4.3稳健性检验32
4.4本章小结33
第五章研究结论与政策建议34
5.1研究结论34
5.2政策建议34
1.2.2Domestic Research Status9
1.2.3Literature Review11
1.3Research Purpose And Research Content11
1.3.1Research Purpose11
1.3.2Research Content12
1.4Research Methods And Technology Roadmap12
3.2.2Measurement of Farmers' Financial Literacy24
3.3Summary of This Chapter26
Chapter IV analyzes the impact of financial literacy on farmers' formal lending behavior27
2.1Concept Definition15
2.1.1Financial Literacy15
2.1.2Fanners' Borrowing Behavior15
2.1.3Fornial Finance And Infbmial Finance16
2.2Relevant Theoretical Basis16
1.5.2论文的不足之处14
第二章概念界定与理论基础15
2.1概念界定15Fra bibliotek2.1.1金融素养15
2.1.2农户借贷行为15
2.1.3正规借贷与非正规借贷16
2.2相关理论基础16
2.2.1农村金融发展理论16
2.2.2信息不对称理论17
2.2.3信贷配给理论18
2.2.4金融排斥理论19
2.3本章小结19
4.2.3Model Regression Results30
4.2.4Analysis of Model Regression Results31
4.3Robustness Test32
4.4Summary ofThis Chapter33
Chapter V Research Conclusions And Policy Recommendations34
Ability36
Reference37
Acknowledgement41
摘 要
借贷作为农户重要的经济行为，是农村借贷市场的重要组成部分。当农户需要扩大 生产或是平滑消费时，通常需要较多的资金，当农户自有资金无法满足时就需要借贷。 而银行等正规借贷渠道作为农户借贷的首选渠道，具有借贷成本低、安全系数高、借贷 额度高等优点，但是农户正规借贷可得性以及满足度很大程度上受农户对于金融知识的 理解和运用能力的限制，而农户对于金融知识的理解与运用能力就是农户的金融素养。 换言之，农户正规借贷行为受到农户自身金融素养水平的影响，并呈现出不同的正规借 贷可得性以及满足度。本文研究金融素养对农户正规借贷行为的影响，对探究金融素养 与农户正规借贷行为之间的内在联系具有深刻的意义，同时也为农村借贷市场的改革与 发展提供一定的政策建议。
4.2Financial Literacy of Farmers Formal Credit Availability and Satisfaction for
Influence of Empirical Analysis29
4.2.1Variable Selection29
4.2.2Model Setting And Description30
Contents
Chapter III Statistical Analysis of Farmers' Loan Description And Financial Literacy Measurement20
3.1Data Sources And Basic Information of Fanners20
1.1Research Background And Significance4
1.1.1Research Background4
1.1.2Research Significance5
1.2Review of Domestic And Foreign Research5
1.2.1Foreign Research Status5
1.1.2研究意义5
1.2国内外研究综述5
1.2.1国内研究现状5
1.2.2国外研究现状9
1.2.3文献评述11
1.3研究目标与研究内容11
1.3.1研究目标11
1.3.2研究内容12
1.4研究方法与技术路线图12
1.4.1研究方法12
1.4.2技术路线图13
1.5创新之处与不足14
1.5.1论文的创新之处14
5.1Research Conclusion34
5.2Policy Recommendations34
5.2.1Government Departments ShouldStrengthen The Financial Knowledge
Education ofFarmers, And Fundamentally Improve The Financial Literacy Level ofFarmers35
沈阳农业大学有权保留本论文的纸质文本和电磁介质文本有权允许他人查阅和借阅本论文各种文本有权采用影印缩印或扫描等方式复制保存汇编本论文有权以不同方式在媒体上发表传播本学位论文的内容
全日制农业硕士学位论文
金融素养对农户正规借贷行为的影响研究
摘 要1
Abstract2
第一章绪论4
1.1研究背景与意义4
1.1.1研究背景4
第三章农户借贷描述统计分析与金融素养测度20
3.1数据来源及农户基本情况20
3.1.1数据来源20
3.1.2样本农户基本情况20
3.2农户借贷情况及金融素养测度21
3.2.1农户借贷情况描述性统计分析21
3.2.2农户金融素养测度24
3.3本章小结26
第四章金融素养对农户正规借贷行为的影响分析27
4.1金融素养影响农户正规借贷可得性及满足度的机理分析27
4.1Analysis On The Mechanism of Financial Literacy Affecting The Availability
And Satisfaction ofFarmers' Fonnal Lending27
4.1.1Direct Impact27
4.1.2Indirect Impact28
1.4.1Research Methods12
1.4.2Technology Roadmap13
1.5The innovation and deficiency14
1.5.1Innovation14
1.5.2Deficiency14
Chapter II Concept Definition And Theoretical Basis15
最后，根据研究结论，从政府、金融机构以及农户角度提出提高我国农户金融素养 水平，加快金融机构发展和创新的政策建议，最终目的在于提高我国农户正规借贷可得 性以及满足度，满足农户对于生产生活的资金需求。
关键词：农户，金融素养，正规借贷，CHFS
Abstract
Abstract
As an important economic behavior of fanners, lending is an important part of rural lending market. When fanners need to expand production or smooth consumption, they usually need more capital, and when fanners' own funds can not meet the need to borrow. As the preferred channel fbr fanners to borrow, banks and other fbnnal lending channels have the advantages of low borrowing cost, high safety factor and high loan limit, but the access and satisfaction of farmers' fbrmal lending are largely limited by fanners' understanding and ability to use financial knowledge, and fanners' understanding and application of financial knowledge is fanners' financial literacy. In other words, farmers' fbrmal lending behavior is influenced by fanners' own level of financial literacy, and shows diflerent fbrmal lending adability and satisfaction. This paper studies the influence of financial literacy on fanners' fbrmal lending behavior, which is of profound significance to explore the intrinsic relationship between financial literacy and farmers' fbrnial lending behavior, and also provides some policy suggestions fbr the reform and development of rural lending market.
要原因是农户“不知道如何申请”。（4）我国农户的金融素养水平偏低，且不同 农户之间金融素养水平差距较大，我国农户的金融素养水平有待提高。（5）金融素养 水平对农户正规借贷可得性以及满足度具有显著的正向影响，即农户的金融素养水平越 高农户正规借贷可得性以及满足度就越高。另外釆用工具变量法对实证回归结果进行稳 健性检验。
5.2.1政府部门要加强农户的金融知识教育，提升农户的金融素养水平..35
5.2.2完善农村地区金融机构的服务功能，加快农村金融体系创新35
5.2.3加强金融知识学习，提升金融能力36
参考文献37
致谢41
Contents
Chinese Abstract1
English Abstract2
Chapter I Introduction4
3.1.1Data Sources20
3.1.2Sample Farmers Basic Situation20
3.2The Fanner Credit and Financial Literacy Measure21
3.2.1Peasant Household Borrowing is Descriptive Statistical Analysis21
5.2.2Improve The Service Function ofFinancial Institutions In Rural Areas
And Accelerate The Innovation ofRural Financial System35
5.2.3Strengthen Financial Knowledge Learning And Improve Financial
2.2.1Rural Financial Development Theory16
2.2.2Information Asymmetry Theory17
2.2.3Credit Rationing Theory18
2.2.4Financial Exclusion Theory19
2.3Summary of This Chapter19
4.1.1直接影响27
4.1.2间接影响28
4.2金融素养对农户正规借贷可得性及满足度影响的实证分析29
4.2.1变量选择29
4.2.2模型设定与说明30
4.2.3模型回归结果30
4.2.4模型回归结果分析31
4.3稳健性检验32
4.4本章小结33
第五章研究结论与政策建议34
5.1研究结论34
5.2政策建议34
1.2.2Domestic Research Status9
1.2.3Literature Review11
1.3Research Purpose And Research Content11
1.3.1Research Purpose11
1.3.2Research Content12
1.4Research Methods And Technology Roadmap12