金融素养教育对大学生返乡创业的影响与优化策略  

The Impact of Financial Literacy Education on College Students' Return-Home Entrepreneurship:Analysis and Optimization Strategies

作　　者：郑沃林 许富瑜 ZHENG Wo-lin;XU Fu-yu(Guangdong University of Finance,Guangzhou 510521,China;Zhongkai University of Agriculture and Engineering,Guangzhou 510550,China)

机构地区：[1]广东金融学院,广东广州510521 [2]仲恺农业工程学院,广东广州510550

出　　处：《南方职业教育学刊》2024年第4期1-11,共11页Journal of Southern Vocational Education

基　　金：广东省教育科学规划项目(2023GXJK120);教育部人文社会科学基金项目(23YJC790204);广东省基础与应用基础研究基金项目(2023A1515110314)。

摘　　要：金融素养的高低会影响农村大学生创业决策,但金融素养并非自发产生,而是通过教育提升金融知识与技能,并呈现出教学方法、教学内容和教学资源的区别。这导致创业效应的差异。构建“金融素养教育—风险判断—返乡创业决策”逻辑框架,利用广东省2024年调研数据进行实证检验。结果表明:第一,金融素养教育促进了农村大学生返乡创业决策,并且呈现出教学方法、教学内容、教学资源的差异。第二,金融素养教育通过改善农村大学生的风险判断能力进而促进创业决策。第三,社会网络在金融素养教育影响农村大学生返乡创业中发挥正调节作用。第四,金融素养教育显著促进了农村大学生机会型创业活动而非生存型创业活动。促进大学生返乡创业应优化金融素养教育方案,实现教学方法、教学内容、教学资源与返乡创业的深度融合。The level of financial literacy affects the entrepreneurial decisions of rural college students.However,financial literacy is not spontaneously generated but is improved through education that enhances financial knowledge and skills,presenting differences in teaching methods,content,and resources.This leads to variations in entrepreneurial effects.This study constructs a logical framework of “financial literacy education,risk assessment,decision to return home for entrepreneurship” and conducts empirical tests using survey data from Guangdong Province in 2024.The results show:First,financial literacy education promotes rural college students' decisions to return home for entrepreneurship,with differences in teaching methods,content,and resources.Second,financial literacy education facilitates entrepreneurial decisions by improving rural college students' risk assessment abilities.Third,social networks play a positive moderating role in the impact of financial literacy education on rural college students' decisions to return home for entrepreneurship.Fourth,financial literacy education significantly promotes opportunity-driven entrepreneurial activities among rural college students rather than necessity-driven activities.This study emphasizes that to promote college students' return home for entrepreneurship,financial literacy education programs should be optimized to achieve deep integration of teaching methods,content,and resources with the practice of returning home for entrepreneurship.

关 键 词：金融素养教育 返乡创业 风险判断 机会型创业 

分 类 号：G715[文化科学—职业技术教育学]