借贷地方性知识视角下贫困地区农户信贷市场参与行为分析
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国家自然科学基金面上项目“农业经营体系创新视角下抵押替代合约演进与融资效率研究”(71873066);国家自然科学基金面上项目“农村土地承包经营权抵押、农户异质性与信贷约束缓解”(71473124)。 


Rural Households’Credit Market Participation in Poor Areas:Perspective of Local Knowledge of Lending 
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    摘要:

    贫困地区农户信贷市场参与行为是影响信贷扶贫效果的重要因素。基于地方性知识理论,从借贷观念、财富认知和生活逻辑三个层次构建了贫困地区农户信贷市场参与行为分析框架,并以内蒙古、山东两省的经验数据进行佐证。研究表明:借贷地方性知识作为影响农户生产生活的金融文化背景因素,对贫困地区农户的信贷市场参与行为具有潜在的规约和引导作用;农户的信贷市场参与行为在同一地区呈现外部一致性,在不同地区间存在明显差异。因此,在强调帮扶到村到户的精准扶贫政策背景下,应重视贫困地区农户信贷需求的群体性和区域性特征,因时、因地、因人制宜地进行信贷扶贫工具创新。

    Abstract:

    The credit market participation of rural households in poor areas is an important factor affecting the effect of credit poverty alleviation. Based on the theory of local knowledge,this paper constructs an analysis framework of rural households’ credit market participation in poor areas from the perspective of credit concept,wealth cognition and life logic,and takes the empirical data of Inner Mongolia and Shandong province as evidence. The research shows that local knowledge of lending,as a financial and cultural background factor that affects rural households’ production and life,has a potential role in regulating and guiding rural households’ participation in the credit market in poor areas. The credit market participation behaviors of rural households show external consistency in the same region,but demonstrate obvious differences among different regions. Therefore,in the context of the targeted poverty alleviation policy that emphasizes helping villages and households,attention should be paid to the collective and regional characteristics of rural households’ credit needs in poor areas,and credit poverty alleviation tools should be innovated according to the time,place and individual conditions.

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黄惠春,管宁宁.借贷地方性知识视角下贫困地区农户信贷市场参与行为分析[J].华中农业大学学报(社科),2020,(5):9-18

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  • 在线发布日期: 2020-09-12
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