成长型金融教育与低收入妇女劳动力供给：来自中国农村地区的随机对照试验证据

IF 4.6 2区经济学 Q1 BUSINESS, FINANCE

Emerging Markets Review Pub Date : 2025-09-08 DOI:10.1016/j.ememar.2025.101361

Yaojing Wang , Cheng Yuan , Jiayu Zhao

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引用次数: 0

摘要

本研究探讨成长型理财教育的潜力，以增强低收入已婚妇女的权能，并提高她们的劳动参与率。传统的金融知识普及计划侧重于管理现有资源的结果，与之相反，我们的方法旨在最大限度地提高收入机会的结果以及金融知识的解释。为了检验以收入增长为导向的理财教育的有效性，我们对中国某贫困县680名农村已婚妇女进行了随机实验。结果显示，与对照组相比，接受过这种教育的妇女通过提高自我效能感和追求创收机会的信心，劳动供应参与率提高了14%，寻找工作信息的频率提高了1.17倍。本研究为金融教育计划如何改善贫困人口的财务状况提供了一个新的视角。

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Growth-mindset financial education and labor supply of low-income women: An RCT evidence from rural China

This study examines the potential of growth-mindset financial education to empower low-income married women and increase their labor force participation. In contrast to traditional financial literacy programs, which focus on outcomes that concerns managing existing resources, our approach targets maximizing income opportunities outcomes alongside financial knowledge interpretation. We conducted a randomized experiment involving 680 rural married women in a poverty county in China to test the effectiveness of income growth oriented financial education. The results show that women who received this education had 14% higher labor supply participation rate and 1.17 times higher frequency of seeking job information compared to the control group through increased self-efficacy and confidence in pursuing income-generating opportunities. This study offers a novel perspective on how financial education programs can improve financial conditions of underprivileged populations.

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来源期刊

Emerging Markets Review Multiple-

CiteScore

7.10

自引率

4.20%

发文量

审稿时长

100 days

期刊介绍： The intent of the editors is to consolidate Emerging Markets Review as the premier vehicle for publishing high impact empirical and theoretical studies in emerging markets finance. Preference will be given to comparative studies that take global and regional perspectives, detailed single country studies that address critical policy issues and have significant global and regional implications, and papers that address the interactions of national and international financial architecture. We especially welcome papers that take institutional as well as financial perspectives.