农村残疾群体信贷约束特征及其借贷行为影响因素分析

发布时间：2018-02-15 12:39

  本文关键词： 农村残疾群体 信贷约束 借贷倾向 借贷额度 普惠金融　出处：《金融评论》2017年03期 　论文类型：期刊论文

【摘要】：本文基于2013年中国健康与养老追踪调查数据(CHARLS2013),对农村残疾群体的主要借贷渠道、信贷约束特征、借贷行为特征及其影响因素进行了分析。研究结果表明,非正规借贷是大部分农村残疾者当前最为重要的第一借贷渠道。供给型信贷约束是农村残疾群体遭受的主要信贷约束形式,且正规信贷约束明显高于非正规信贷;与非残疾群体相比,其借贷需求更为旺盛,但遭受的信贷约束也更为严重。非正规借贷资金主要参与到借贷者平滑消费和改善农业生产的小额投资中,具有明显的"帮扶"和"扶贫"意义。因此,需要大力发展普惠金融,进一步推进普惠金融扶贫;创新普惠金融产品;提升农村残疾群体等社会弱势群体收入创造能力;防范普惠金融风险,完善医疗保障体系,尽量减少"因病致贫"的深度和广度。
[Abstract]:Based on the CHARLS2013 data of China Health and Old-age Care Survey in 2013, this paper analyzes the main lending channels, credit constraint characteristics, lending behavior characteristics and their influencing factors of rural disabled groups. Informal lending is currently the most important first lending channel for most rural disabled people. Supply type credit constraint is the main form of credit constraint for rural disabled groups, and formal credit constraint is obviously higher than informal credit. Compared with non-disabled groups, they are more in need of loans, but are also subject to more severe credit constraints. Informal lending funds are mainly involved in borrowers' smooth consumption and small investments to improve agricultural production. Therefore, it is necessary to vigorously develop inclusive finance, further promote inclusive finance poverty alleviation, innovate inclusive financial products, enhance the income creation ability of social vulnerable groups such as rural disabled groups, etc. To prevent inclusive financial risks, improve the medical security system and reduce the depth and breadth of poverty caused by illness.
【作者单位】： 中南财经政法大学经济学院;长沙理工大学经济与管理学院;
【基金】：国家社科基金重大项目“普惠金融发展视角下精准扶贫;精准脱贫的理论与政策研究”(项目批准号:15ZDC027)的资助
【分类号】：D669.69;F832.43
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本文编号：1513284