ZHU Xueming YANG Hufeng,LIU Xianghong.Research on Financial Literacy Assessment System and Its Influencing Factors of Rural Residents in Guanzhong Area Under the Background of Financial Deepening Reform[J].Northern Horticulture,2019,43(20):140-149.[doi:10.11937/bfyy.20183171]
金融深化改革背景下关中地区农村居民金融素养测评体系及其影响因素研究
- Title:
- Research on Financial Literacy Assessment System and Its Influencing Factors of Rural Residents in Guanzhong Area Under the Background of Financial Deepening Reform
- Keywords:
- financial deepening reform; financial literacy assessment system; Guanzhong area; rural residents; influence factors
- 文献标志码:
- A
- 摘要:
- 研究运用2017年对关中地区727个农村居民实地调研的微观数据，在构建农村居民金融素养测评体系的基础上，采用指标简单加总和熵权2种方法测算关中地区农村居民的金融素养水平，同时研究了2种测评方法下农村居民金融素养的影响因素。结果表明：1）2种测算方法下关中地区农村居民的金融素养水平普遍较低，且个体间差距较大；2）农村居民性别、年龄、受教育年限、家庭总年收入、从业类型、拥有在政府部门工作的亲戚朋友以及农村居民家中连接宽带均对农村居民的金融素养具有显著的正向影响。
- Abstract:
- Based on the field survey data of 727 rural residents in Guanzhong area in 2017，and on the basis of constructing the evaluation system of rural residents′ financial literacy，two methods of simple sum of indicators and entropy weight to measured the financial literacy level of rural residents in Guanzhong area were used.At the same time，the financial literacy of rural residents under two evaluation methods influencing factors were studied.The results showed that：1) the financial literacy level of rural residents in Guanzhong area was generally low and the gap between individuals was large.2) Rural residents′ gender，age，education years，total annual income of families，types of employment，relatives and friends who worked in government departments and broadband connection in rural residents′ has a significantly positive impact on the financial literacy of rural residents.
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备注/Memo
第一作者简介：朱雪明（1995-），女，甘肃白银人，硕士研究生，研究方向为农村金融管理。E-mail:m15091152536@163.com.责任作者：杨虎锋（1980-），男，陕西渭南人，博士，讲师，硕士生导师，研究方向为小额信贷和金融理论与政策。E-mail:yanghufeng@126.com.基金项目：国家自然科学基金青年资助项目（71403215）；国家自然科学基金面上资助项目（71773094）；西北农林科技大学基本科研业务费人文社科资助项目（2017RWYB07）；西北农林科技大学六次产业研究院资助项目（Z220121607）。收稿日期：2019-01-15