收入结构、居住模式与农村居民金融行为的合理化——基于新型城镇化视角的考量

Income Structure,Residential Model and the Retionalization of Rural Residents' Financial Behavior:Based on Perspective of New Urbanization

农村居民合理金融行为不仅是农村居民财务能力的体现,也是提升农村居民财务满意度、增进农村居民福利的重要保证。农村居民金融行为受到多种经济与社会因素的影响,其中新型城镇化引致的农村居民收入结构与居住模式的变迁是值得重点关注的因素。基于苏南、苏中和苏北三个小城镇582名农村居民的调查分析结果显示:非农收入占比提升对农村居民金融行为的合理化有显著正向影响,而集中居住对农村居民金融行为的合理化也有显著正向影响,其中现金管理行为、储蓄行为和信贷行为得到了不同程度的正向强化。

Rational financial behavior of rural residents not only reflects the financial capacity of rural residents,but also is an important guarantee for the optimization of financial satisfaction of rural residents,as well as for improving the welfare of rural residents. The financial behavior of rural residents is affected by various economic and social factors,among which,the changes of their income structure and inhabitant model is worth focusing on. According to the survey of 582 residents in three towns respectively in the south,middle and north of Jiangsu Province,the higher proportion of non- agricultural income has a positive effect on the rationalization of financial behavior,and the cash management behavior,savings and credit behavior are reinforced positively to some extent.