沿海与内地农户家庭储蓄借贷行为比较研究——以晋浙两省1986—2000年固定跟踪观察的农户为例

Saving and Borrowing Behavior of Household in Shanxi and Zhejiang of China

本文以山西和浙江 2 0个固定跟踪观察村的农户家计调查资料为基础 ,对 1 986年以来农户家庭的储蓄与借贷行为从总体到分组进行了多角度的深入分析。发现无论是在沿海还是在内地 ,随着时间的推移 ,收入水平的增长、农户家庭的储蓄水平均呈上升趋势 ,且上升幅度明显高于收入增长。但储蓄面的变化相反。借贷水平的变化同样相反 ,随着时间推移 ,内地的借贷偏向生活 ,且趋向收敛 ,沿海则偏向生产 ,且扩大趋势明显。

The topic of this paper is the saving and borrowing on household, which family economic income of the Shanxi of hinterland and the Zhejiang of littoral is locating the two poles in rural China. The observation data of 20 villages, about 2000 households are used from 1986 to 2000. Multiangular grouping data are used on analyzing. It is discovered that, no matter where in littoral or in hinterland, along with time changes and the income per capita increases, the saving of household is successive increasing as well, and its' speed is obviously higher than income. But the cover of saving is not the same, in hinterland, it is raising, and in littoral, it is falling. The borrowing changes the same as cover of saving. In hinterland, the borrowing for life is principal part and its' share is increasing, but in littoral, the borrowing for producing is main part and its' share is obviously increasing. The cover of borrowing is as the same of decreasing in two provinces. The share of borrowing from personal is increasing, and the share of repaying interest is increasing as well. This result imply that the borrowing is according to income and saving, and it is affected by the unbalance of economic development, the improvement of money marketing, and the difference of culture in different rural area.