金融环境在多大程度上制约了现阶段我国农村消费的增长

Degree of Financial Environment Impeding the Growth of Rural Consumption in China

金融环境被认为是造成低消费信贷,从而最终影响我国农村消费的原因。由于造成低水平消费信贷的原因还可能有消费信贷的需求以及意愿不足等,必须控制这两个因素,才能正确评价金融环境对消费信贷的制约。通过对居民现金支出与收入的对比以及对其消费受流动性约束程度的测算,发现我国农村居民存在较大的消费信贷需求;通过问卷分析显示消费观念才是阻碍我国农村消费信贷发展的最主要因素,而金融环境对消费信贷的影响相对要小,主要是在教育和住房消费方面。

Some people think that financial environment is the main reason of low consumption credit, and can influence rural consumption in China. Another two possible reasons of low consumption credit are lack of desire and demand of consumption credit, which should be controlled in evaluating the restriction of financial environment to consumption credit, In this paper, it is found that there is a great deal of consumption credit demand in rural region through comparing income and cash expend of rural residents and that the main reason hindering the development of rural consumption credit is the conception of consumption by analyzing questionnaire.