四川大学硕士学位论文
金融能力、家庭财富、经济获得感的现状和问题；利用因子分析法，从金融知
识、金融意识及金融环境三方面构建金融能力指标，以横向现实经济获得感、
纵向预期经济获得感及收入公平获得感为三个维度构建经济获得感测度体系；
使用 OLS、有序 Oprobit、中介效应模型等方法研究农户金融能力对经济获得感
的影响及家庭财富在此影响路径中的中介效应，并通过工具变量法、分组回归、
分位数回归法进行稳健性检验。
研究结果表明，金融能力对农户经济获得感有显著正向影响，且能够通过
家庭财富的部分中介效应间接作用经济获得感。具体而言，首先，金融能力的
增强能够在 5%的水平下显著提升农村家庭的经济获得感，在处理内生性后，
金融能力仍能在 1%的显著性水平下促进经济获得感的提升。其次，金融能力
在 1%的水平下显著正向影响家庭财富。最后家庭财富在金融能力影响农户经
济获得感的路径中有着显著的部分中介作用。本文可能的贡献在于着眼于四川
省农村家庭，从金融能力的角度探究提升农户经济获得感的可能路径，对于提
高农户财富水平、增强农户获得感有着重要的现实意义。
关键词：金融能力，互联网金融，家庭财富，经济获得感
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四川大学硕士学位论文
Financial ability, family wealth and farmers' sense of
economic gain
——Based on a survey in Sichuan Province
Major: Finance
Postgraduate: Fan Chen
Supervisor: Jia Li
Abstract: In the report of the 19th National Congress of the Communist Party
of China, President Xi Jinping pointed out: "It is necessary to guarantee the basic
lives of the people, continuously meet the people's growing needs for a better life,
and make the people's sense of gain, happiness, and security more substantial, more
secure, and more sustainable." For a long time, the "three rural issues" have been the
top priority of the work of the whole party. In recent years, the government has
continuously increased its financial investment in "agriculture, rural areas, and
farmers" in order to protect the basic income of farmers, improve the economic
conditions of farmers in poverty-stricken areas, and enhance farmers' sense of
economic gain. However, it is difficult to achieve sustained growth of family wealth
by only relying on “blood transfusion”. Rural areas are still facing the dilemma of
insufficient economic development, weak endogenous motivation of farmers, and
low family wealth, which seriously hinders the improvement of farmers’ sense of
economic gain.
Sichuan Province is a representative agricultural province in western China,
and it is also one of the first regions to conduct experiments on the reform of the
rural financial system. After years of development, the rural financial industry in
Sichuan has gradually grown into the backbone of the growth and development of
the rural economy. The per capita disposable income of rural residents in the
province has increased by about 200 times compared with the initial period of the
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四川大学硕士学位论文
founding of the People's Republic of China. Through the analysis of the survey data
in Sichuan Province, we found that some farmers still have poor financial ability in
rural areas of Sichuan Province. This is also one of the reasons for the slower growth
rate of farmers' income, the large gap in income between urban and rural residents,
and the lack of sense of economic gain for farmers. In view of this, how to
comprehensively improve the financial capacity of rural residents in Sichuan
Province, enhance the wealth of rural households, and enhance the sense of
economic gain of rural households is an important practical issue, and it is also an
important basis for the government to formulate policies and guidelines.
This article expands the full text according to the analysis framework of
"proposed questions-theoretical analysis-status quo analysis-empirical testing-policy
recommendations". The introduction puts forward the research questions of the
article, and then establishes the theoretical relationship between financial ability,
family wealth and farmers' sense of economic gain, and then uses the field survey
data of rural households in Sichuan Province to analyze the financial ability and
sense of economic gain of rural households in Sichuan Province. Finally, empirically
test the impact of financial ability on farmers' sense of economic gain and its path.
Specifically, through descriptive analysis, it summarizes the current status and
problems of rural households' financial ability, family wealth, and economic gain in
Sichuan Province; using factor analysis to construct financial ability indicators from
the three aspects of financial knowledge, financial awareness and financial
environment, and from horizontal reality Three dimensions of economic gain,
vertical expected economic gain, and income fairness gain to construct economic
gain indicators; use OLS, Ordered Oprobit, intermediary effect models, etc. to study
the impact of rural households' financial ability on economic gain and household
wealth. The mediation effect in the path is tested for robustness through instrumental
variable method, group regression, and quantile regression method.
The research results show that financial ability has a significant positive impact
on farmers' sense of economic gain, and it can indirectly affect the sense of
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