深度贫困地区农村人口金融能力测评及影响因素分析

Evaluation and Analysis on Influencing Factors of Financial Capabilities of Rural Population in Severely Impoverished Areas

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,educational level,family social relations,and per capita family income.There are similarities and differences in influencing factors of financial capability between the rural poor population and non-poor population.