金融知识与农户数字金融响应行为研究——来自河南省部分农户调查的微观数据

Research on Financial Literacy and Farmers'Digital Financial Response Behaviors——Micro Data from a Survey of Selected Farm Households in Henan Province

新时代,数字金融是“三农”发展的重要一环,是拓宽金融供给渠道和实现金融普惠发展的重要方式。现实中,农村数字金融使用程度并不高,多种因素制约着数字金融与农村的深度融合。基于2022年河南省部分农户数字金融使用现状调查数据,利用中介效应模型研究金融知识对于农户数字金融行为的影响。结果表明:金融知识可提升农户金融行为响应、改变风险偏好,进而对数字金融响应产生显著正向作用;提升农户金融知识水平是数字金融融入农村发展、提高农户生产生活水平的突破点。

In the new era,digital finance is an important part of the development of agriculture,rural areas and farmers and an important way to broaden financial supply channels and achieve financial inclusion.In reality,the use of digital finance in rural areas is not frequent,and various factors restrict the deep integration of digital finance with rural areas.This paper investigates the influence of financial knowledge on the digital financial behavior of rural households using a mediation model based on the survey data of digital financial usage status of some rural households in Henan Province in 2022.The results show that financial knowledge has a significant positive effect on enhancing farmers'financial behavior response,changing risk preferences,and then on digital financial responses;enhancing farmers'financial knowledge is a breakthrough point for integrating digital finance into rural development and improving farmers'production and living standards.