农村居民金融素养对贫困脆弱性的影响及作用路径研究

The Influence of Farmers’Financial Literacy on Household’s Poverty Vulnerability--Based on CHFS Data

2020年是全面打赢脱贫攻坚战的收官之年,贫困治理的重点将转向较为隐形的相对贫困,而贫困脆弱性作为贫困防治的重要指标,对于建立解决相对贫困的长效机制具有重要意义。文章利用2015年中国家庭金融调查(CHFS)数据实证分析了金融素养对农村居民贫困脆弱性的影响,结果表明金融素养对家庭贫困脆弱性具有显著的负向影响,金融素养的提升有助于减缓农村家庭贫困脆弱性。进一步研究发现,风险资产占比、非农创业和保险购买在金融素养影响贫困脆弱性的过程中发挥了“中介”作用,金融素养可以通过影响风险资产占比、鼓励非农创业和保险购买来降低贫困脆弱性。

2020 is the year to win the battle against poverty in an all-round way.The focus of poverty governance will shift to rela⁃tively invisible poverty.As an important indicator of poverty prevention and control,vulnerability to poverty is of great significance for establishing a long-term mechanism to solve relative poverty.This paper empirically analyzed the impact of financial literacy on the poverty vulnerability of rural residents by using the 2015 China Household Financial Survey(CHFS)data.The results show that financial literacy has a significant negative impact on the poverty vulnerability of rural households,and the improvement of fi⁃nancial literacy is helpful to reduce the poverty vulnerability of rural households.Further research shows that the proportion of risk assets,off-farm entrepreneurship and insurance purchase play an intermediary role in the process of financial literacy affecting pov⁃erty vulnerability,and financial literacy can reduce poverty vulnerability by influencing the proportion of risk assets,encouraging off-farm entrepreneurship and insurance purchase.