分类号：F830.91密级：公开
学校代码：11065学号：2019025308
专业硕士学位论文
（统招全日制）
基于消费文化的农户消费信贷研究
作者姓名 鲁彦男
指导教师 靳卫东
专业领域 金融
培养单位经济学院
答辩日期 2022 年 7 月 4 日
摘 要
近年来，我国经济正面临增速下滑和结构调整的双重压力。2022 年 2 月《中共
中央国务院关于做好 2022 年全面推进乡村振兴重点工作的意见》提出，要“强化乡
村振兴金融服务”，“支持各类金融机构探索农业农村信贷模式，深入开展农村信
用体系建设，大力发展农户消费信贷”。在乡村振兴背景下，这凸显了中央对于农
村消费信贷发展的高度期待，也表明中央力图借此振兴农村经济、对抗经济增速下
滑和全面调整经济结构的决心。
作为农业人口众多的发展中国家，我国激励农户增加消费信贷，既可以提高农
户生活水平、缩小城乡差距，又能够振兴农村经济发展、提高国民经济发展质量。
那么，如何激发农户消费信贷，就成为解决问题的关键。为此，本文利用双曲线贴
现模型，考察消费文化及其变迁对农户消费信贷的重要影响，进而论证了农户消费
信贷行为的发生机制。
研究结果表明：第一，当前我国消费信贷使用量存在明显的城乡差别，即城市
多、农村少；而我国消费信贷发展也呈现出明显的城乡差异，即城市快、农村慢。
第二，反映消费文化的自我控制力明显抑制了农户消费信贷使用量，而融入城市消
费文化有利于增加农户的消费信贷使用量；并且，农户消费文化及其变迁能够作用
于农户需求层次，进而对农户消费信贷使用量也具有重要影响。第三，基于城乡之
间消费文化以及不同农户融入城市消费文化程度的显著差别，农户拥有更强的自我
控制力，所以消费信贷使用量更低；而农户融入城市消费文化越深，其消费信贷使
用量就越高。第四，在城市消费文化持续变迁的背景下，农户逐步减弱自我控制力
而融入城市消费文化，有助于减少生理需求支出、增加发展需求支出，从而也可以
明显增加农户消费信贷使用量。基于中国家庭追踪调查（CFPS）数据，本文使用面
板数据模型、工具变量法、似无相关模型和中介效应模型等，验证了消费文化及其
变迁在农户消费信贷变化中的重要影响。
因此，为了激励农户消费信贷，以推动农村经济高质量发展：第一，应该针对
农户加强消费信贷知识教育，尤其是通过城市消费文化宣传，缓解农村消费文化对
农户消费信贷的过度抑制，以充分释放农村消费的巨大潜力；第二，应重视城乡之
间的消费文化和消费信贷差距，对农村消费和农户消费信贷给予更多的政策支持，
比如：加快农村地区金融基础设施建设，提高农村地区金融服务品质，以及推动城
乡消费信贷协同发展等；第三，根据农户需求层次及其对消费信贷的差异化影响，
应增加农户经济收入和提升农户需求层次，由此探索城乡消费文化融合以及推动农
户消费信贷增长的多维度路径。
关键词：消费文化；农户消费信贷；自我控制力；双曲线贴现
Abstract
In recent years, China;s economy is facing the dual pressure of declining growth and
structural adjustment. In February, 2022, "the opinions of the Central Committee of the
Communist Party of China and the State Council on the key work of comprehensively
promoting rural revitalization in 2022" proposed to "strengthen financial services for rural
revitalization", "support various financial institutions to explore agricultural and rural credit
models, deepen the construction of rural credit system, and vigorously develop farmers;
consumption credit". In the context of rural revitalization, this highlights the central
government;s high expectations for the development of rural consumer credit, and also
shows the central government;s determination to revitalize the rural economy, combat the
decline in economic growth and comprehensively adjust the economic structure.
As a developing country with a large agricultural population, encouraging farmers to
increase consumer credit can not only improve farmers; living standards, narrow the gap
between urban and rural areas, but also revitalize rural economic development and improve
the quality of national economic development. So, how to stimulate farmers; consumer
credit has become the key to solve the problem. Therefore, this paper uses the hyperbolic
discount model to investigate the important impact of consumer culture and its change on
farmers; consumer credit, and then demonstrates the occurrence mechanism of farmer
consumer credit behavior.
The results show that: first, there are obvious urban-rural differences in the use of
consumer credit in China at present, that is, more cities and less rural areas; the development
of consumer credit in China also shows obvious differences between urban and rural areas,
that is, cities are fast and rural areas are slow. Second, the self-control reflecting
consumption culture significantly inhibits the use of consumer credit by farmers, while
integrating into urban consumption culture is conducive to increasing the use of consumer
credit by farmers; moreover, farmers; consumption culture and its changes can affect
farmers; demand level, and then have an important impact on farmers; consumption credit
usage. Third, based on the significant differences in consumption culture between urban
and rural areas and the degree of integration of different farmers into urban consumption
culture, farmers have stronger self-control, so the consumption credit usage is lower; the
deeper farmers integrate into urban consumption culture, the higher their consumption
credit usage. Fourth, in the context of the continuous change of urban consumption culture,
farmers; gradual weakening of self-control and integration into urban consumption culture
will help to reduce physiological demand expenditure and increase development demand
expenditure, which can also significantly increase the use of consumer credit. Based on
China household tracking survey (CFPS) data, this paper uses panel data model,
instrumental variable method, seemingly unrelated model and intermediary effect model to
verify the important impact of consumer culture and its changes on the change of farmers;
consumer credit.
Therefore, in order to stimulate farmers; consumption credit and promote the high
quality development of rural economy: first, we should strengthen the education of
consumption credit knowledge for farmers, especially through the publicity of urban
consumption culture, to alleviate the excessive inhibition of rural consumption culture on
farmers; consumption credit, so as to fully release the huge potential of rural consumption;
Second, attention should be paid to the gap between urban and rural consumption culture
and consumption credit, and more policy support should be given to rural consumption and
farmers; consumption credit, such as accelerating the construction of financial
infrastructure in rural areas, improving the quality of financial services in rural areas, and
promoting the coordinated development of urban and rural consumption credit; Third,
according to the demand level of farmers and its differential effect on consumer credit, we
should increase the economic income of farmers and enhance the demand level of farmers,
so as to explore a multi-dimensional path for the integration of urban and rural consumption
culture and promoting the growth of farmers; consumer credit.
Keywords: Consumer Culture; Farmers; Consumption Credit; Self-control;
Hyperbolic Discounting
目录
第一章 绪论 .................... 1
第一节 研究背景与意义 ........... 1
一、研究背景 .................. 1
二、研究意义 .................. 3
第二节 研究内容、思路与框架 ............. 3
一、研究内容 .................. 3
二、研究思路与框架 ............. 4
第三节 创新点 ............. 5
第二章 文献综述 ................... 7
第一节 农户消费信贷研究的理论基础 ........ 7
一、完全理性人视角下农户消费信贷的相关理论 ....... 7
二、非完全理性人视角下农户消费信贷的相关理论 .......... 8
第二节 农户消费信贷的影响因素研究 ........ 9
一、农户的个体特征 ............. 9
二、农村金融发展 ............... 10
三、农村消费金融环境 .............. 10
四、消费文化环境 ............... 10
第三节 消费文化与农户消费信贷研究 ............. 11
一、消费文化的界定 ........... 11