2739 
2663普惠金融与金融排斥是一个问题的两面，而减少信贷排斥是其重点和难点。实践已表明单纯增加金融供给并不能实现普惠金融，这启示我们需要从需求方寻找答案。不同于已有研究从需求方金融知识等认知能力的视角入手，文章首次探讨了非认知能力对农户信贷排斥的影响。基于中国农业大学2018年“中国农村普惠金融调查”数据，文章使用“大五”人格分类法衡量非认知能力，考查非认知能力对信贷排斥的影响。研究结果表明，非认知能力显著影响了信贷排斥，其中处事谨慎、有条理的积极型严谨性特质以及外向性特质可以显著降低农户的信贷排斥程度，而缺乏主见、犹豫不决的消极型顺同性特质则会显著增加农户受到的信贷排斥程度。因此，践行普惠金融需重视对需求方非认知能力的培训和提升。
“不能”还是“不愿”？非认知能力对农户信贷排斥的影响研究
摘要
参考文献
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引用本文
何婧, 岳靓. “不能”还是“不愿”？非认知能力对农户信贷排斥的影响研究[J]. 上海财经大学学报, 2021, 23(3): 95-106.
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