期刊论文

中文

财经理论与实践

1003-7217

2020

41

3

25-30

10.3969/j.issn.1003-7217.2020.03.004

国家社会科学基金项目(17CJY040)

本校为第一机构

选取我国湖南省、湖北省、江西省和陕西省四个省份中九个深度贫困县的1058户农村人口的调研数据,从金融知识、金融意识、金融技能、金融行为四个方面对农村人口金融能力进行测评,分析其影响因素,结果显示:深度贫困地区农村人口金融能力整体较低,且贫困人口比非贫困人口的金融能力更低;农村人口金融能力受金融教育时间、受教育程度、家庭社会关系、家庭人均收入等因素影响;农村贫困人口与非贫困人口金融能力的影响因素各有异同。

Using the survey data of 1058 households from nine poverty-stricken counties in Hunan,Hubei,Jiangxi and Shaanxi Province,this paper measures the financial capability of rural population from financial knowledge,financial awareness,financial skills and financial behavior and analyzes influencing factors.The results show:Rural population has a low overall financial capability in severely impoverished areas,and poor population have lower financial capability than non-poor population.The financial capability of rural population is affected by some factors such as financial education time,education...