金融素养对农户家庭收入的影响研究——基于江苏省实证检验  

Research on the Impact of Financial Literacy on Farmers'Income——Based on Empirical Testing in Jiangsu Province

作　　者：金振梅 陈瑜 JIN Zhen-mei;CHEN Yu(School of Finance and Economics,Gansu Agricultural University,Lanzhou 730070,China)

机构地区：[1]甘肃农业大学财经学院,甘肃兰州730070

出　　处：《长春金融高等专科学校学报》2025年第2期57-67,共11页Journal of Changchun Finance College

摘　　要：提升农民金融素养能帮助其获取并运用准确的金融信息,做出科学决策,进而实现农户收入增加。基于中国土地经济调查(CLES)数据,通过因子分析法测度农户金融素养水平,运用层次回归模型实证研究金融素养对农户创业参与的影响、农户创业参与和农民家庭收入的关系,并通过中介效应模型分析农户创业参与在金融素养与家庭收入关系路径中的中介作用。研究结果显示,金融素养对农户创业参与具有显著的正向促进作用;农户金融素养与家庭收入正相关;且农户创业参与在金融素养对农户家庭收入的影响路径中具有中介效应。因此,建议进一步完善农村教育体系,创新金融教育形式,完善普惠金融体系,同时提高农户创业意识,以不断缩小城乡收入差距,逐步实现共同富裕。Improving farmers'financial literacy can help them obtain and utilize accurate financial informa-tion to make scientific decisions and increase farmers'income.Based on the China Land Economy Survey(CLES),the financial literacy level of farmers was measured using factor analysis.The hierarchical regres-sion model was used to empirically study the impact of financial literacy on farmers'entrepreneurial behav-ior and the relationship between farmers'entrepreneurial behavior and household income.The mediation effect model was used to analyze the mediating role of farmers'entrepreneurial behavior in the relationship path between financial literacy and household income.The research results show that financial literacy has a significant positive promoting effect on farmers'entrepreneurial behavior;The financial literacy of farm-ers is positively correlated with household income;Moreover,the entrepreneurial behavior of farmers has a mediating effect on the impact path of financial literacy on household income.Therefore,it is recom-mended to further improve the rural education system,innovate financial education forms,improve the in-clusive financial system,and enhance farmers'entrepreneurial awareness to continuously narrow the in-come gap between urban and rural areas and gradually achieve common prosperity.

关 键 词：金融素养 农户家庭收入 二元probit 中介效应 

分 类 号：F832.7[经济管理—金融学] F323.8