| 英文摘要 | Finance is the blood of modern economy. Financial poverty alleviation is the core component of China's poverty alleviation project, which is an important measure and strong support to consolidate and expand the achievements of poverty alleviation and effectively link up the Rural Revitalization Strategy. Financial literacy is an important factor affecting the asset allocation of actors, which reflects people's ability to use knowledge and skills to make effective decisions when using and managing resources. The improvement of financial literacy, as the basic endogenous development power, is the ultimate goal of financial poverty alleviation. Improving the level of financial literacy has a positive role in promoting the financial poverty alleviation work. According to the summary report of consumer financial literacy survey in 2019, the average
score of China's consumer financial literacy index is 64.77, which is 1.06 higher than that in 2017. On the whole, the level of financial literacy of consumers across the country has improved slightly, and the situation in terms of financial attitude is better. Most residents have some financial knowledge, but the financial behavior still needs to be strengthened. At the same time, the gap between urban and rural residents is large, the overall level of financial literacy of rural residents is low, and financial market participation needs to be improved. Good financial literacy can help poor households actively pay attention to poverty alleviation policies, make scientific and rational use of existing poverty alleviation resources, stimulate endogenous motivation, improve risk awareness and credit awareness of poor households and returning poor households, and reduce economic loss and credit default risk. In addition, it also enables the poor households to have a more scientific and reasonable ability to evaluate the poverty alleviation work and give timely feedback on the Poverty Alleviation Policies, thus improving the efficiency of poverty alleviation work. Therefore, in the process of implementing financial poverty alleviation policy, we should pay attention to the main role of farmers in the rural financial market, and consider the impact of financial literacy level on the implementation effect of poverty alleviation policy.
This paper introduces financial literacy to explore the problem of Multidimensional Poverty in rural areas. Based on the financial literacy and
Multidimensional Poverty Measurement of farmers, this paper theoretically analyzes the path and mechanism of the improvement of financial literacy on Multidimensional Poverty Alleviation, and according to the 2017 China Family Finance Survey (chfs) Data, select 1488 sample families, use probit model to empirically analyze the impact of farmers' financial literacy on Multidimensional Poverty Alleviation. It is found that the incidence of Multidimensional Poverty of Chinese farmers is slightly higher than that of the previous year, and there may be a "U" type phenomenon of poverty alleviation and return to poverty. The level of financial literacy of rural residents in China is low, and financial literacy has a significant positive impact on Farmers' multidimensional poverty alleviation. In the path of financial literacy on Multidimensional Poverty, empirical analysis shows that financial literacy can weaken farmers' multidimensional poverty by improving farmers' risk awareness,
reducing agricultural credit constraints, enhancing commercial insurance
participation and promoting farmers' entrepreneurship. The improvement of financial literacy is one of the effective ways to establish a long-term
mechanism of multidimensional relative poverty governance. China must
improve the self-development ability of farmers based on financial literacy, so as to promote the effect of rural financial poverty alleviation and promote the implementation of Rural Revitalization Strategy. |
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