中文摘要：

降低农户信贷违约风险对维护农村金融体系安全和稳定具有重要意义。本文基于2016年新疆地区农户调查数据,实证分析了金融知识对欠发达地区农户信贷违约的影响及其作用机制。研究表明,金融知识对农户信贷违约行为具有显著的负向影响,提高农户金融知识水平有利于降低其信贷违约风险;金融知识发挥作用的主观机制在于提高农户还款意愿,客观机制在于提高农户还款能力;相对于还款能力,金融知识对还款意愿的影响更大。

英文摘要：

A decrease in credit default risk of rural households has a great significance regarding security and stabilization of the financial system in rural areas. This article uses survey data collected from rural households in Xinjiang and analyzes the impact of ntml households＇ financial knowledge on their credit default. The results show that financial literacy exerts a significant negative impact on credit default of rural households, which means that increasing their financial knowledge is an effective way to reduce the risk of their credit default. The subjective mechanism of the effectiveness of financial knowledge lies in its role in increasing the repayment willingness of rural households, whereas the objective mechanism is effective in increasing their repayment ability. But financial knowledge has a greater impact on their repayment willingness than ability.