Page 14 - 201902

第 34 卷摇 第 2 期 何学松, 孔摇 荣: 金融素养、金融行为与农民收入

区差异———基于平滑转换模型的阐释[J]. 农业技术经 [23]祝仲坤,陶建平. 农业保险对农户收入的影响机
济,2017(10):68 - 78. 理及经验研究[J]. 农村经济,2015(2):67 - 71.
[18]杨晶,邓大松,吴海涛. 中国城乡居民养老保险 [24]张欢欢,熊学萍. 农民金融素养测评与影响因素
制度的家庭收入效应———基于倾向得分匹配(PSM)的反 研究———基于湖北、河南两省的调查数据[J]. 中国农村
事实估计[J]. 农业技术经济,2018(10):48 - 56. 观察,2017(3):131 - 144.
[19]张川川,GILES J,赵耀辉. 新型农村社会养老保 [25]SARMA M. Index of financial inclusion[Z]. Indi鄄
险政策效果评估———收入、贫困、消费、主观福利和劳动 an Council for Research on International Economic Relations
供给[J]. 经济学(季刊),2014(4):203 - 230. Working Paper No. 215, 2010.
[20]余新平,熊皛白,熊德平. 中国农村金融发展与 [26]DEW J, XIAO J J. The financial management be鄄
农民收入增长[J]. 中国农村经济,2010(6):77 - 86. havior scale: development and validation[J]. Journal of Fi鄄
[21]王小华. 中国县域农贷能促进农民公平增收吗? nancial Counseling and Planning, 2011,22(1): 43 - 59.
[J]. 中南财经政法大学学报,2016(5):148 - 156. [27]温忠麟,叶宝娟. 中介效应分析:方法和模型发
[22]周稳海,赵桂玲,尹成远. 农业保险发展对农民 展[J]. 心理科学进展,2014(6):731 - 745.
收入影响的动态研究———基于面板系统 GMM 模型的实 [28]尹志超,宋全云,吴雨,等. 金融知识、创业决策
证检验[J]. 保险研究,2014(5):21 - 30. 和创业动机[J]. 管理世界,2015(1):87 - 98.

Financial Literacy, Financial Behavior and Farmer蒺s Income:
Based on Survey Data of Farmers in Shaanxi Province

1,2 1
HE Xuesong & KONG Rong
(1. Economics and Management School, Northwest A & F University, Yangling, Shaanxi 712100, China;
2. Business School, Xinyang Normal University, Xinyang, Henan 464000, China)

Abstract: According to the survey data of 908 rural households in Shaanxi Province, this paper evaluates farmers蒺 financial
literacy from dimensions of financial knowledge and financial ability, and empirically analyzes the impact of financial literacy on
farmers蒺 financial behavior and the mediation effect of farmer蒺s financial behavior in the relationship of financial literacy with
farmer蒺s income by using hierarchical regression model. The regression results indicate that the overall level of farmers蒺 financial
literacy is relatively low for average financial literacy index is only 0郾 35, and there is a big gap in farmer蒺s financial literacy levels
between different genders, different ages, different income levels and different regions. Financial literacy has a significantly posi鄄
tive effect on farmers蒺 credit behavior, financial behavior and insurance behavior. The credit behavior, financial behavior and in鄄
surance behavior have a mediation effect in the relationship of financial literacy impact on farmers蒺 income, while such mediation
effect accounts for 38郾 35% , 18郾 58% and 26郾 17% respectively. Therefore, carrying out farmers蒺 financial literacy education,
optimizing farmers蒺 financial behavior decision鄄making, and safeguarding farmers蒺 legitimate financial rights are effective ways to
increase farmers蒺 income in the new era.
Key Words: financial literacy; credit behavior; investment and financial management behavior; insurance behavior;
farmer蒺s income; mediation effect

(本文责编摇 王摇 轶)

· 1 1 ·