金融教育项目能减轻家庭对贫困的脆弱性吗？以中国金辉金融教育项目为例

IF 2.6 4区经济学 Q2 BUSINESS, FINANCE

International Review of Finance Pub Date : 2025-02-17 DOI:10.1111/irfi.70007

Ziying Yang, Man Guo, Tian Xiong, Manping Tang

{"title":"金融教育项目能减轻家庭对贫困的脆弱性吗？以中国金辉金融教育项目为例","authors":"Ziying Yang, Man Guo, Tian Xiong, Manping Tang","doi":"10.1111/irfi.70007","DOIUrl":null,"url":null,"abstract":"<p>This paper investigates whether the JinHui financial education project (i.e., a large-scale financial education program in China) reduces household vulnerability to poverty. Using data from the China Family Panel Studies and the JinHui Financial Education project data from the China Foundation for Development of Financial Education, we find that the JinHui project significantly reduces household vulnerability to poverty. Our economic channel analyses find that the JinHui project alleviates household vulnerability to poverty through improving household risk management ability. Interestingly, our mechanism analyses find no evidence that increasing household income is a mechanism through which the JinHui project reduces household vulnerability to poverty.</p>","PeriodicalId":46664,"journal":{"name":"International Review of Finance","volume":"25 1","pages":""},"PeriodicalIF":2.6000,"publicationDate":"2025-02-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Can financial education programs alleviate household vulnerability to poverty? Evidence from the JinHui financial education project in China\",\"authors\":\"Ziying Yang, Man Guo, Tian Xiong, Manping Tang\",\"doi\":\"10.1111/irfi.70007\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p>This paper investigates whether the JinHui financial education project (i.e., a large-scale financial education program in China) reduces household vulnerability to poverty. Using data from the China Family Panel Studies and the JinHui Financial Education project data from the China Foundation for Development of Financial Education, we find that the JinHui project significantly reduces household vulnerability to poverty. Our economic channel analyses find that the JinHui project alleviates household vulnerability to poverty through improving household risk management ability. Interestingly, our mechanism analyses find no evidence that increasing household income is a mechanism through which the JinHui project reduces household vulnerability to poverty.</p>\",\"PeriodicalId\":46664,\"journal\":{\"name\":\"International Review of Finance\",\"volume\":\"25 1\",\"pages\":\"\"},\"PeriodicalIF\":2.6000,\"publicationDate\":\"2025-02-17\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"International Review of Finance\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://onlinelibrary.wiley.com/doi/10.1111/irfi.70007\",\"RegionNum\":4,\"RegionCategory\":\"经济学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"BUSINESS, FINANCE\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"International Review of Finance","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/irfi.70007","RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"BUSINESS, FINANCE","Score":null,"Total":0}

引用次数: 0

摘要

本文考察了金辉金融教育项目（即中国的大型金融教育项目）是否降低了家庭的贫困脆弱性。利用中国家庭面板研究数据和中国金融教育发展基金会金辉金融教育项目数据，我们发现金辉项目显著降低了家庭的贫困脆弱性。我们的经济渠道分析发现，金汇项目通过提高家庭风险管理能力，减轻了家庭的贫困脆弱性。有趣的是，我们的机制分析发现，没有证据表明增加家庭收入是金汇项目降低家庭贫困脆弱性的机制。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

查看原文本刊更多论文

Can financial education programs alleviate household vulnerability to poverty? Evidence from the JinHui financial education project in China

This paper investigates whether the JinHui financial education project (i.e., a large-scale financial education program in China) reduces household vulnerability to poverty. Using data from the China Family Panel Studies and the JinHui Financial Education project data from the China Foundation for Development of Financial Education, we find that the JinHui project significantly reduces household vulnerability to poverty. Our economic channel analyses find that the JinHui project alleviates household vulnerability to poverty through improving household risk management ability. Interestingly, our mechanism analyses find no evidence that increasing household income is a mechanism through which the JinHui project reduces household vulnerability to poverty.

求助全文

通过发布文献求助，成功后即可免费获取论文全文。去求助

来源期刊

International Review of Finance BUSINESS, FINANCE-

CiteScore

3.30

自引率

5.90%

发文量

期刊介绍： The International Review of Finance (IRF) publishes high-quality research on all aspects of financial economics, including traditional areas such as asset pricing, corporate finance, market microstructure, financial intermediation and regulation, financial econometrics, financial engineering and risk management, as well as new areas such as markets and institutions of emerging market economies, especially those in the Asia-Pacific region. In addition, the Letters Section in IRF is a premium outlet of letter-length research in all fields of finance. The length of the articles in the Letters Section is limited to a maximum of eight journal pages.