安顺学院学报2025，Vol.27Issue(6)：44-53,10.
农民金融素养对其家庭贫困脆弱性的影响
The Impact of Farmers' Financial Literacy on Their Family Poverty Vulnerability:The Perspective of Commercial Insurance Purchase Behavior and Entrepreneurship Behavior
摘要
Abstract
Based on 7 733 rural household survey samples from the 2019 China Household Finance Survey(CHFS)database,this study explores the impact of financial literacy on rural households' poverty vulnerability using a binary Probit model.The study found that farmers' financial literacy can effectively mitigate their household poverty vulnerability and reduce the probability of falling into poverty.The impact of financial literacy on farmers' poverty vul-nerability exhibits heterogeneity across the dimensions of individual farmer characteristics,household characteristics,and residential environment.The mitigating effect of financial literacy on poverty vulnerability is more significant for farm households where the head is male,with rich social networks and sound security systems,as well as those loca-ted in eastern regions.The household size exhibits a U-shaped relationship with the impact of financial literacy on farmers' poverty vulnerability.Farm households' commercial insurance purchase behavior and entrepreneurial activities play a partial mediating role in the process of financial literacy affecting farmers poverty vulnerability.关键词
金融素养/贫困脆弱性/商业保险购买行为/创业行为Key words
financial literacy/poverty vulnerability/business insurance purchasing behavior/entrepreneurial be-havior分类
管理科学引用本文复制引用
潘明明..农民金融素养对其家庭贫困脆弱性的影响[J].安顺学院学报,2025,27(6):44-53,10.基金项目
2020年国家社科基金青年项目"乡村振兴战略下大别山区相对贫困识别及长效治理机制研究"(20CRK005) （20CRK005）
2023年安徽省社会科学创新发展研究课题"乡村振兴战略下安徽农业'大托管'推进路径及激励机制研究"(2023CX095) （2023CX095）
2024年安徽省高校杰出青年科研项目"共同富裕背景下大别山革命老区振兴发展研究"(2024AH020022). （2024AH020022）
