| At present,with the continuous advancement of industrialization and urbanization in China,a large amount of rural labor has been transferred to non-agricultural industries.The hollowing out of rural areas and aging are prominent,prompting China to push forward the scale of land and the intensive production of agricultural production.The main body of agricultural production is more diverse.The diversified agricultural operators are growing up as the most important force in China’s agricultural development.The report of the 19 th CPC National Congress proposed that agricultural managers should continue to promote diversification,promote the diversification and scale of agricultural development,establish a sound system of agricultural socialization services,and ensure the smooth transition of agricultural subjects from a single small farmer.To the modern diversified mode of agricultural management.As the main body of new-type agricultural operations is still at a preliminary stage of development,there is a lack of experience in production and management,and various problems are exposed in the production and management process.Among them,financing is the key issue in new-type agricultural operations.In Chongqing,the vast majority of professional large families,family farms,farmer cooperatives and leading enterprises have difficulties in financing access.The widespread coverage of agricultural insurance,the low level of protection,the low level of compensation,the enthusiasm of farmers to participate in the insurance,and the low enthusiasm of local governments to support the development of agricultural insurance are common conditions.Therefore,it is necessary not only to establish an investment financing system that is compatible with the current agricultural development,but also to promote the improvement of thelevel of financial literacy of new-type agricultural management entities in various ways,so as to solve the financing problems of the new type of agricultural management entity in Chongqing,and to enable Chongqing’s agricultural investment.Larger scale and higher investment efficiency.Research in the United States shows that the level of individual financial decision-making is closely related to the individual financial literacy.The higher the individual’s financial literacy,the more rational the future of their own financing and financial planning.The lack of good decision-making capabilities in financial management will not only harm their own interests,but will also have a negative impact on the entire society.Therefore,it is very important to improve individual financial literacy.This article reviews the progress of theoretical research on financial literacy by consulting a large number of literature on financial literacy both at home and abroad,and on the basis of the financial literacy evaluation framework of the Organization for Economic Co-operation and Development and the “Citizen’s Financial Literacy Survey” prepared by the People’s Bank of China in 2015.In the past,combined with the three classical issues of foreign financial literacy evaluation(compound interest,inflation,and risk dispersion)and the actual characteristics of the new type of agricultural management entity in Chongqing,from savings knowledge,credit knowledge,investment knowledge,risk management,and subjective financial evaluation,etc.The Bank constructed a financial literacy assessment framework specifically targeted at Chongqing’s new agricultural business entities.Under the guidance of experts and teachers in related fields,it identified reasonable questionnaire questions,eliminated unreasonable questionnaire questions,and designed and formulated a new type of agricultural management entity in Chongqing.The pre-survey of financial literacy questionnaires;then,in the Banan district of Chongqing,six pre-surveys of new-type agricultural management entities were conducted,and the pre-survey questionnaires were further screened,modified,and organized in light of the actual situation of new-type agricultural management entities in Chongqing.Form a formal inquiry.As a result of the actual investigation,it was discovered that the new type of agricultural business entity exists in the form of an organization or a company,and it is understood that thefinancial decision of the business entity is mainly made by its operator or person in charge.Therefore,the survey questionnaire issued by this paper is based on the new model.Questionnaires filled out by managers or responsible persons of agricultural business entities.Finally,a sample survey was conducted in the form of questionnaires on the ground in the seven districts of Chongqing’s Qujiang District,Wanzhou District,and Zhong County in July and October 2017,and 315 original data on the financial literacy of the new agricultural management entities in Chongqing were obtained.The statistics,collation and descriptive analysis of the data,and then use the correlation analysis,multiple regression model,structural equation model to empirically analyze the factors affecting the financial literacy of the new type of agricultural operation in Chongqing,and draw the conclusions of this paper:(1)Chongqing new agriculture The average level of objective financial literacy of the business subjects is medium-low,the average level of subjective financial literacy is medium-low;(2)In objective financial literacy,1 demographic variables(gender,age,education,family monthly income,household registration,marital status)It has a significant impact on objective financial literacy;2 After controlling demographic variables,financial education and risk appetite have a significant positive impact on objective financial literacy,that is,objective finances of respondents who participated in financial education than those who did not participate in financial education.Respondents who are highly literate and who prefer higher risks have a higher objective financial quality.(3)Risk appetite has a significant positive impact on subjective financial literacy,that is,subjective financial literacy of respondents who prefer higher risks is higher. |
PDF Full Text Request