金融可得性、金融知识与城镇居民短期消费信贷

发布时间：2018-05-12 22:35

本文选题：短期消费信贷 + Tobit模型　；参考：《消费经济》2017年05期

【摘要】：金融可得性、金融知识是影响居民金融行为的重要因素,本文利用清华大学中国金融研究中心家庭金融调查数据,定量研究金融可得性和金融知识对居民短期消费信贷参与意愿和贷款数额的影响。研究表明,金融可得性的增加将提升居民使用短期消费信贷的可能性及贷款数额;短期消费信贷金融知识对居民是否选择使用短期消费信贷无显著影响,但对于选择使用短期消费信贷的居民而言,短期消费信贷金融知识的增加显著提高了居民短期消费信贷的数额。因此,增加短期消费信贷产品供给、改善金融服务及提高居民金融知识特别是消费信贷金融知识等措施可以促进消费信贷的发展。
[Abstract]:Financial availability and financial knowledge are important factors that influence the financial behavior of residents. This paper makes use of the household finance survey data of China Financial Research Center of Tsinghua University. This paper studies quantitatively the influence of financial availability and financial knowledge on residents' willingness to participate in short-term consumer credit and the amount of loans. The research shows that the increase of financial availability will increase the possibility of using short-term consumer credit and the amount of loans, and the financial knowledge of short-term consumer credit has no significant effect on whether residents choose to use short-term consumer credit. However, for the residents who choose to use short-term consumer credit, the increase of financial knowledge of short-term consumer credit significantly increases the amount of short-term consumer credit. Therefore, such measures as increasing the supply of short-term consumer credit products, improving financial services and enhancing residents' financial knowledge, especially consumer credit financial knowledge, can promote the development of consumer credit.
【作者单位】：湖南师范大学商学院;
【分类号】：F126.1;F832.4

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