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金融知识匮乏视角下农户信贷认知偏差与背离——基于区域经济发展不平衡下的异质性分析 被引量:7

Farmers’ Credit Cognitive Bias and Deviations from the Perspective of Financial Literacy Deficit: Based on Heterogeneity Analysis under Unbalanced Regional Economic Development
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摘要 在构建金融知识影响农户信贷认知与信贷背离的理论分析下,本文利用黑龙江、河南、四川和浙江四省粮食种植户的抽样调查数据,基于区域发展不平衡的异质性,运用IV-probit模型和含工具变量的cmp模型实证分析金融知识对农户信贷背离与信贷认知的影响。研究表明,当前农村金融存在深层次的隐患,农户普遍具有金融知识匮乏、信贷背离与信贷认知偏差等问题;金融知识匮乏引致农户正规信贷背离,压制农户信贷申请积极性,同时金融知识匮乏导致农户对正规信贷信息产生认知偏差;区域发展不平衡下金融知识影响存在明显的异质性,经济落后地区影响更为严重。因此,加强正规金融机构金融政策宣传、普及金融知识和差异化施政是改善信贷背离与信贷认知偏差的关键。 Under constructing a theoretical analysis of the influence of financial knowledge on farmers’ credit perceptions and credit deviations, we use data from a sample survey of grain growers in Heilongjiang, Henan, Sichuan, and Zhejiang provinces, and analyze the influence of financial knowledge on farmers’ credit deviation and credit perception using the IV—probit model and the CMP model with instrumental variables, and analyzing the differences under uneven regional economic development on this basis, the study shows that.There are deep-rooted problems in rural finance, such as lack of financial knowledge, credit deviation, and credit cognitive bias;lack of financial knowledge leads to formal credit deviation, suppressing farmers’ motivation to apply for credit, while lack of financial knowledge leads to cognitive bias in formal credit information;the impact of financial knowledge varies significantly under unbalanced regional development, with economically backward regions being affected more seriously.Therefore, strengthening the financial policy advocacy of formal financial institutions, financial literacy, and district-specific policies are key to improving credit deviation and credit perception bias.
作者 魏昊 夏英 WEI Hao;XIA Ying
出处 《农业技术经济》 CSSCI 北大核心 2022年第6期94-108,共15页 Journal of Agrotechnical Economics
基金 国家自然科学基金NSFC-CGIAR项目(国际组织) 国际(地区)合作与交流项目“重大冲击和变化对中国—全球农业影响模拟模型的研究和开发”(编号:71761147004) 国家自然科学基金面上项目“玉米临储政策取消背景下粮食种植户群体适应性调整及演化研究”(编号:71973138) 中国农业科学院科技创新工程(编号:10-IAED-01-2022,10-IAED-ZD-03-2022)。
关键词 金融知识 信贷背离 信贷认知偏差 区域发展不平衡 差异性施政 Financial literacy Credit deviations Credit cognitive bias Unbalanced regional economic development Take policies according to different regions
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