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      2. 借貸地方性知識視角下貧困地區農戶信貸市場參與行為分析
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        南京農業大學 金融學院

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        中圖分類號:

        F832.479

        基金項目:

        國家自然科學基金項目(面上項目,重點項目,重大項目)


        Rural Households'Credit Market Participation in Poor Areas: Perspective of Local Knowledge of Lending
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        Nanjing Agricultural University,College of Finance

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          摘要:

          貧困地區農戶信貸市場參與行為是影響信貸扶貧效果的重要因素。本文基于地方性知識理論,從借貸觀念、財富認知和生活邏輯三個層次構建了貧困地區農戶信貸市場參與行為分析框架,并以內蒙古、山東兩省的經驗數據進行佐證。研究表明:借貸地方性知識作為影響農戶生產生活的金融文化背景因素,對貧困地區農戶的信貸市場參與行為具有潛在的規約和引導作用;農戶的信貸市場參與行為在同一地區呈現外部一致性,在不同地區間存在明顯差異。因此,在強調幫扶到村到戶的精準扶貧政策背景下,應重視貧困地區農戶信貸需求的群體性和區域性特征,因時、因地、因人制宜地進行信貸扶貧工具創新。

          Abstract:

          The credit market participation of rural households in poor areas is an important factor affecting the effect of credit poverty alleviation. Based on the theory of local knowledge, this paper constructs an analysis framework of rural households" credit market participation in poor areas in the aspects of credit concept, wealth cognition and life logic, and takes the empirical data of Inner Mongolia and Shandong province as evidence. The research shows that local knowledge of lending, as a financial and cultural background factor that affects rural households" production and life, has a potential role in regulating and guiding rural households" participation in the credit market in poor areas. The credit market participation behaviors of rural households show external consistency in the same region, while there are obvious differences among different regions. Therefore, in the context of the targeted poverty alleviation policy that emphasizes helping villages and households, attention should be paid to the collective and regional characteristics of rural households" credit needs in poor areas, and credit poverty alleviation tools should be innovated according to the time, place and individual conditions.

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        歷史
        • 收稿日期:2019-10-23
        • 最后修改日期:2019-12-17
        • 錄用日期:2020-01-19
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