农村残疾群体信贷约束特征及其借贷行为影响因素分析

An Analysis on the Credit Constraints and Factors Influencing Credit Behavior of the Rural Handicapped

本文基于2013年中国健康与养老追踪调查数据(CHARLS2013),对农村残疾群体的主要借贷渠道、信贷约束特征、借贷行为特征及其影响因素进行了分析。研究结果表明,非正规借贷是大部分农村残疾者当前最为重要的第一借贷渠道。供给型信贷约束是农村残疾群体遭受的主要信贷约束形式,且正规信贷约束明显高于非正规信贷;与非残疾群体相比,其借贷需求更为旺盛,但遭受的信贷约束也更为严重。非正规借贷资金主要参与到借贷者平滑消费和改善农业生产的小额投资中,具有明显的"帮扶"和"扶贫"意义。因此,需要大力发展普惠金融,进一步推进普惠金融扶贫;创新普惠金融产品;提升农村残疾群体等社会弱势群体收入创造能力;防范普惠金融风险,完善医疗保障体系,尽量减少"因病致贫"的深度和广度。

Based on the data from'China Health and retirement Longitudinal Study'in 2013,this paper studies the credit behaviors of the rural handicapped,including the credit channels,credit constraints characteristics,factors influencing credit behavior.The result shows that informal credit is the most important credit channel of the rural handicapped.The rural handicapped generally is subject to credit constraints of supply type,and their formal credit constraints is more serious.Even though the rural handicapped is more likely to borrow money,their credit constraints are more serious,compared with the able-bodied person.The informal credit is mainly used to smooth consumption and add small investment to agriculture,leading to a significant decline in poverty.As a result,to reduce poverty,China should create more inclusive financial products and develop inclusive finance vigorously,guarding against inclusive financial risks at the same time.What`s more,China should construct and perfect rural medical security system to help prevent the disadvantaged groups from falling into or falling back to poverty because of catching diseases,and some measures must be taken to improve the working capacity of the disadvantaged groups including the rural handicapped.