普惠金融视角下农村居民的金融素养特征与影响因素研究——基于三省的调查

发布时间：2018-04-05 23:35

本文选题：普惠金融　切入点：金融素养　出处：《农业现代化研究》2017年06期

【摘要】：普惠金融的纵深发展对农村居民的金融素养提出了更高的要求和挑战。基于PISA金融素养测评框架,结合中国农村金融和农村居民的实际特点,构建针对中国农村居民的金融素养测评指标体系,利用山东、河南和贵州三省的调查数据,分析中国不同地区农村居民的金融素养特征,探讨其影响因素。结果表明,农村居民的金融素养总体上呈现山东省、河南省、贵州省递减的趋势,在金融素养不同方面的得分差异也较大,并存在区际差异;农村居民的个人受教育程度、父母最高受教育程度、非农程度和风险偏好程度越高,金融素养越高;河南省和贵州省的男性居民的金融素养较高;参加金融教育的山东省和河南省农村居民的金融素养较高;山东省农村居民的金融素养在整个生命周期内呈递增趋势,河南省和贵州省农村居民呈递减态势;仅河南省农村居民的家庭人均收入对金融素养的提高具有正效应,但作用效果很弱。在此基础上,提出将金融教育纳入到九年义务教育中,以及加强金融教育计划、方案的内容和形式的针对性建议。
[Abstract]:The development of inclusive finance puts forward higher requirements and challenges to the financial literacy of rural residents.Based on the framework of PISA financial literacy evaluation, combining the actual characteristics of Chinese rural finance and rural residents, this paper constructs a financial literacy evaluation index system for Chinese rural residents, using the survey data of Shandong, Henan and Guizhou provinces.This paper analyzes the characteristics of financial literacy of rural residents in different regions of China and discusses its influencing factors.The results show that the financial literacy of rural residents generally presents a decreasing trend in Shandong, Henan and Guizhou provinces, and the scores in different aspects of financial literacy are also quite different, and there are regional differences.The highest level of education for parents, the higher the degree of non-agricultural and risk preference, the higher the financial literacy; the higher the financial literacy of male residents in Henan Province and Guizhou Province; the higher the financial literacy of rural residents in Shandong Province and Henan Province who participate in financial education;The financial literacy of rural residents in Shandong Province is increasing in the whole life cycle, and the rural residents in Henan Province and Guizhou Province are decreasing. Only the family per capita income of rural residents in Henan Province has a positive effect on the improvement of financial literacy.But the effect is very weak.On this basis, the paper puts forward some suggestions on how to bring financial education into the nine-year compulsory education, and how to strengthen the financial education plan, the content and the form of the program.
【作者单位】：华中农业大学经济管理学院;
【基金】：教育部人文社会科学研究项目(17YJA790080) 中国普惠金融研究院项目~~
【分类号】：F323.6;F832.35

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