论文部分内容阅读
降低农户信贷违约风险对维护农村金融体系安全和稳定具有重要意义。本文基于2016年新疆地区农户调查数据,实证分析了金融知识对欠发达地区农户信贷违约的影响及其作用机制。研究表明,金融知识对农户信贷违约行为具有显著的负向影响,提高农户金融知识水平有利于降低其信贷违约风险;金融知识发挥作用的主观机制在于提高农户还款意愿,客观机制在于提高农户还款能力;相对于还款能力,金融知识对还款意愿的影响更大。
Reducing the risk of credit default in rural households is of great importance to maintaining the security and stability of rural financial systems. Based on the survey data of farmers in Xinjiang in 2016, this paper empirically analyzes the impact of financial knowledge on household credit default in underdeveloped areas and its mechanism. The research shows that the financial knowledge has a significant negative impact on the credit default behavior of farmers, and improving the financial knowledge of farmers is conducive to reducing the risk of credit default. The subjective mechanism of financial knowledge is to increase the willingness of farmers to repay their loans. The objective mechanism lies in improving the farmers’ With respect to repayment ability, financial knowledge has a greater impact on repayment intention.