华南农业大学学报：社会科学版
華南農業大學學報：社會科學版
화남농업대학학보：사회과학판
Journal of South China Agricultural University(Social Science Edition)
2013年
2期
73~80
,共null页
金融意识 农村金融 金融行为 农户借贷
金融意識 農村金融 金融行為 農戶藉貸
금융의식 농촌금융 금융행위 농호차대
financial consciousness; rural finance; financial behavior
以2006－2008年“汇丰——清华经管学院中国农村金融问题调查”所获得的数据为基础，通过衡量农户的金融意识及其水平，研究金融意识对于农户借贷选择发生的概率和借贷渠道选择的影响。研究发现，金融意识对农户借贷行为存在显著影响，金融意识越高的农户发生借贷的概率越大，选择正规金融机构借贷的概率也越大。
以2006－2008年“彙豐——清華經管學院中國農村金融問題調查”所穫得的數據為基礎，通過衡量農戶的金融意識及其水平，研究金融意識對于農戶藉貸選擇髮生的概率和藉貸渠道選擇的影響。研究髮現，金融意識對農戶藉貸行為存在顯著影響，金融意識越高的農戶髮生藉貸的概率越大，選擇正規金融機構藉貸的概率也越大。
이2006－2008년“회봉——청화경관학원중국농촌금융문제조사”소획득적수거위기출，통과형량농호적금융의식급기수평，연구금융의식대우농호차대선택발생적개솔화차대거도선택적영향。연구발현，금융의식대농호차대행위존재현저영향，금융의식월고적농호발생차대적개솔월대，선택정규금융궤구차대적개솔야월대。
The effect of financial consciousness on credit-decision has been focused on in research. Based on the “HSBC-Tsinghua SEM China Rural Area Financial Issues Research” during 2006--2008, this paper measures the financial consciousness of rural households and empirically analyzed the credit behavior of rural household in both formal and informal credit markets. The study finds financial con- sciousness has remarkable effect on the credit behavior of rural households. The higher the financial con- sciousness level of farmers, the more possible they choose to borrow and the more possible they borrow from formal institution.
