金融素养与农户信贷业务的机理关系与调研分析

Research and Analysis on the Mechanism Relationship between Financial Literacy and Farmers'Credit Business

乡村振兴离不开农村信贷资金的支持,而信贷业务的可得性与信贷管理风险的高低与农村地区居民金融素养水平有着直接的影响关系。因此,从金融素养的背景、概念及其与农户信贷业务的机理关系入手,依托问卷星对农村居民金融素养水平与农户信贷业务开展情况进行调研,对提升农户金融素养,加强农户信贷风险认知,完善农村信贷业务管理具有重要意义。

Rural revitalization cannot do without the support of rural credit funds,and the availability of credit business and the level of credit management risks have a direct impact on the financial literacy level of rural residents.Therefore,starting from the background,concept,and mechanism relationship between financial literacy and farmers'credit business,relying on questionnaire stars to conduct research on the level of financial literacy of rural residents and the development of farmers'credit business,it is of great significance to propose improving farmers'financial literacy,strengthening farmers'credit risk awareness,and improving rural credit business management.