中文摘要：

本文运用中国家庭金融调查2015年数据,研究了金融知识对家庭信贷行为的影响。本文发现信贷约束问题不仅在我国农村地区家庭普遍存在,城市地区家庭也面临着严重的信贷约束问题。实证分析显示,金融知识水平的提高会提升家庭正规信贷需求并促进家庭积极申请贷款。金融知识水平越高,家庭正规信贷可得性越高,家庭也会从正规金融机构获得更多信贷,从而有利于家庭信贷约束的缓解。因此,在降低金融机构服务门槛的同时,应进一步普及金融知识以引导公众积极合理地使用金融服务。

英文摘要：

This paper explores the impact of financial literacy on households＇ formal credit demand and c~dit behavior by using China Household Finance Survey data in 2015. Summary statistics show that credit constraint is not only prevalent in rural China, but also in urban area. Empirical analyses indicate that financial literacy has a significant positive effect on households＇ formal credit demand and their probability to apply for formal credit. Households with better financial literacy also have higher formal credit availability and also obtain more formal credit. Therefore, government should disseminate financial knowledge further to help rectify cognitive bias and steering the better use of financial services.