何学松,孔荣.金融素养、金融行为与农民收入——基于陕西省的农户调查[J].北京工商大学社科版,2019,34(2):1-11
金融素养、金融行为与农民收入——基于陕西省的农户调查
Financial Literacy, Financial Behavior and Farmer's Income: Based on Survey Data of Farmers in Shaanxi Province
投稿时间:2018-10-29  
DOI:10.12085/j.issn.1009-6116.2019.02.001
中文关键词:  金融素养  信贷行为  理财行为  保险行为  农民收入  中介效应
英文关键词:financial literacy  credit behavior  investment and financial management behavior  insurance behavior  farmer's income  mediation effect
基金项目:国家自然科学基金项目“金融行为中介作用下农民金融素养对收入质量的影响机制及提升路径研究”(71773094);教育部人文社会科学规划项目“生产风险、生计策略与农户贫困脆弱性治理——以秦巴山区为例”(17YJC790059)。
作者单位
何学松 西北农林科技大学 经济管理学院, 陕西 杨凌 712100
信阳师范学院 商学院, 河南 信阳 464000 
孔荣 西北农林科技大学 经济管理学院, 陕西 杨凌 712100 
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中文摘要:
      基于陕西省908户农户调查数据,从金融知识与金融能力两个维度测度了农民的金融素养水平。采用层次回归模型,实证分析了金融素养对农民金融行为的影响以及金融行为在金融素养影响农民收入路径关系中的中介效应。研究发现:农民金融素养总体水平相对较低,其金融素养指数均值为0.35,不同性别、不同年龄、不同收入水平和不同区域的农民金融素养水平具有较大差距;金融素养显著正向影响农民的信贷行为、理财行为及保险行为;信贷行为、理财行为与保险行为在金融素养影响农民收入的路径关系具有中介效应,各中介效应占总效应的比重分别为38.35%、18.58%和26.17%。据此,提出了开展农民金融素养教育、优化农民金融行为决策、保障农民合法金融权益等促进农民增收的政策建议。
英文摘要:
      According to the survey data of 908 rural households in Shaanxi Province, this paper evaluates farmers' financial literacy from dimensions of financial knowledge and financial ability, and empirically analyzes the impact of financial literacy on farmers' financial behavior and the mediation effect of farmer's financial behavior in the relationship of financial literacy with farmer's income by using hierarchical regression model. The regression results indicate that the overall level of farmers' financial literacy is relatively low for average financial literacy index is only 0.35, and there is a big gap in farmer's financial literacy levels between different genders, different ages, different income levels and different regions. Financial literacy has a significantly positive effect on farmers' credit behavior, financial behavior and insurance behavior. The credit behavior, financial behavior and insurance behavior have a mediation effect in the relationship of financial literacy impact on farmers' income, while such mediation effect accounts for 38.35%, 18.58% and 26.17% respectively. Therefore, carrying out farmers' financial literacy education, optimizing farmers' financial behavior decision-making, and safeguarding farmers' legitimate financial rights are effective ways to increase farmers' income in the new era. 
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