农牧民的金融素养测评及影响因素研究--基于内蒙古农村牧区的调研  

Research on the evaluation and influencing factors of the financial literacy of farmers and herdsmen based on a survey in Inner Mongolia

作　　者：乌云花[1] 永梅 温青超 许黎莉[1] 冯静蕾[1] WU Yun-hua;YONG Mei;WEN Qing-chao;XU Li-li;FENG Jing-lei(The College of Economics and Management,Inner Mongolia Agricultural University,Hohhot,Inner Mongolia 010010,China)

机构地区：[1]内蒙古农业大学经济管理学院,内蒙古呼和浩特010010

出　　处：《农业现代化研究》2022年第2期240-248,共9页Research of Agricultural Modernization

基　　金：国家自科基金项目(72163024;71963026);内蒙古自然基金项目(2019MS07011);农村牧区综合发展创新团队(NMGIRT2223)。

摘　　要：提升农牧民的金融素养可以降低农牧户家庭非理性投资的概率,能更好发挥金融产品和服务在农村牧区的作用,促进农村牧区金融环境的融资主体不断实现自我优化,最终推动农牧户的持续增收和农村牧区的可持续发展。本文以内蒙古农村牧区为例,利用实地调研数据,运用因子分析方法,从金融知识、金融能力和金融态度三个方面测评了农牧民的金融素养水平,并利用计量经济模型研究了农牧民金融素养水平的影响因素。结果表明,农牧民金融素养水平整体不高,均值是66.5分。从分组情况看,29.4%的农牧户金融素养得分小于60分,只有21.4%的农牧户金融素养得分大于80分。正式与非正式的社会资本和户主受教育程度对农牧民金融素养起到显著的正向影响,而农牧民所在村的贷款违约现象和户主年龄等对农牧民金融素养有显著的负向影响。针对农牧民金融素养偏低的现实,通过加强对农牧民的金融知识的宣传和培训,提高农牧民金融素养至关重要。此外,拓宽村级信息交流渠道,搭建信息交流平台,扩大村民的社交范围,发挥好社会资本在提高农牧民金融素养水平中的作用。Improving the financial literacy of farmers and herdsmen can reduce the probability of irrational investment by farmers and herdsmen and it can better play the role of financial products and services in rural and pastoral areas.Based on a survey data of farmers and herdsmen in Inner Mongolia,this paper evaluated the financial literacy of farmers and herdsmen from three aspects,including financial knowledge,financial ability,and financial attitudes by the factor analysis model and analyzed the influencing factors of farmers and herdsmen’s financial literacy.Results show that the overall financial literacy level of farmers and herdsmen is not high,with an average of 66.5 points.In terms of grouping,29.4%of farmers and herdsmen have financial literacy scores of less than 60,and only 21.4%of farmers and herdsmen have financial literacy scores of greater than 80.The formal and the informal social capital and the education of household head have significant positive impacts on the financial literacy of farmers and herdsmen,while the default phenomenon of repayment in village and the age of the head of household have significant negative impacts on the financial literacy of farmers and herdsmen.The Government should strengthen the publicity and training of financial knowledge for farmers and herdsmen to improve their financial literacy level.It is important to broaden the information channels in village level and to build the platform of information exchange to expend the social network for giving a full play to the role of social capital in improving the financial literacy of farmers and herdsmen.

关 键 词：金融素养 社会资本 影响因素 农牧民 内蒙古 

分 类 号：F323.9[经济管理—产业经济]