乡村振兴背景下农户金融素养影响因素研究

农户金融素养的提高能够规范金融行为,提高收入水平,实现乡村振兴。基于576份调查问卷,通过多元线性回归分析法得出,性别对农户金融素养不存在显著影响;年龄、职业在1%的统计水平上显著影响农户金融素养;受教育程度、收入水平和金融教育在5%的统计水平上显著影响农户金融素养。因此,应缩小数字普惠金融发展的城乡差距,推进乡村振兴;构建金融教育体系;拓宽金融知识普及渠道;促进农户学以致用,改变行为方式。

The improvement of farmers'financial literacy can regulate financial behavior,improve income levels,and achieve rural revitalization.Based on 576 questionnaires and multiple linear regression analysis,it is concluded that gender has no significant impact on farmers'financial literacy.Age and occupation significantly affect farmers'financial literacy at the statistical level of 1%.Education level,income level,and financial education significantly affect farmers'financial literacy at the statistical level of 5%.Therefore,we should reduce the urban-rural gap in the development of digital inclusive finance and promote rural revitalization,build a financial education system,broaden the channels for popularizing financial knowledge,promote farmers to apply what they have learned and change their behavior.