中国人口·资源与环境2025，Vol.35Issue(5)：92-104,13.DOI:10.12062/cpre.20241002
既开源又节流:内生发展能力视角下农户金融素养与能源贫困
Income generation and expenditure reduction:farmers'financial literacy and energy poverty from the perspective of endogenous development capability
摘要
Abstract
Energy poverty,as a form of relative poverty,significantly affects farmers'welfare.Addressing energy poverty among rural households is critical for advancing rural revitalization and achieving common prosperity.This study built on theoretical analyses of im-proving farmers'endogenous development capabilities to alleviate energy poverty.By establishing panel models and integrating data from the China Household Finance Survey(CHFS),the China Family Panel Studies(CFPS),and macroeconomic data,the study identi-fied the basic facts about energy poverty among rural residents in China.Furthermore,it empirically examined the mitigating effect of fi-nancial literacy as an indicator of endogenous development capacity on energy poverty and its underlying mechanisms.The findings re-vealed the following:① The energy poverty of rural residents in China was alleviated between 2013 and 2019,with the incidence of en-ergy poverty dropping from 59.87%in 2013 to 40.35%in 2019;however,energy poverty remained a significant challenge.② The im-provement of endogenous development capacity,as represented by financial literacy,significantly alleviated energy poverty among farm-ers.This finding remained robust after instrumental variable analysis and a series of robustness checks.③ Compared with advanced fi-nancial literacy,primary financial literacy had a greater effect on alleviating energy poverty.④ The depth of farmers'energy poverty showed an inverted U-shaped alleviation trend as their financial literacy improved,with the alleviation effect being more pronounced among groups in the middle-to-upper range of energy poverty depth.⑤ Heterogeneity analysis indicated that the improvements of finan-cial literacy had a significantly stronger alleviating effect on energy poverty among farmers with low levels of education and those resid-ing in regions abundant in renewable energy resources.⑥ Mechanism analysis demonstrated that the improvement of farmers'financial literacy primarily alleviated energy poverty through two mechanisms:income generation and expenditure reduction.Income generation stemmed from enhanced asset allocation efficiency and increased credit levels,while expenditure reduction was driven by improved en-ergy efficiency and upgraded energy consumption structures.Therefore,financial literacy should be integrated as a core element of strat-egies aimed at improving farmers'endogenous development capabilities.Tailored and differential financial literacy training strategies should be adopted to equip farmers with essential financial knowledge and skills through initiatives such as skill training programs.Ad-ditionally,appropriate financial products and services should be provided.Concurrently,policies promoting energy efficiency improve-ments and clean energy adoption should be introduced to enhance farmers'energy consumption environments.关键词
内生发展能力/金融素养/能源贫困/资产配置/能源效率Key words
endogenous development capacity/financial literacy/energy poverty/asset allocation/energy efficiency分类
管理科学引用本文复制引用
王乔冉,杨丹,刘自敏..既开源又节流:内生发展能力视角下农户金融素养与能源贫困[J].中国人口·资源与环境,2025,35(5):92-104,13.基金项目
重庆市社会科学规划"成渝地区双城经济圈"重大项目"成渝地区双城经济圈乡村振兴与职业教育高质量发展融合研究"(批准号:2022ZDSC08) （批准号:2022ZDSC08）
2024年度西南大学教师党支部"揭榜挂帅"项目"重庆探索超大城市现代化治理新路子研究"(批准号:SWU2409402) （批准号:SWU2409402）
西南大学创新研究2035先导计划(批准号:SWUPilotPlan026). （批准号:SWUPilotPlan026）
