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Household financial literacy and retirement planning in rural China

Author

Listed:
  • Qian, Yuting
  • Tan, Weiqiang
  • Wu, Jingbo

Abstract

Amid the prevailing importance of discussing rural villagers' retirement in China, this study analyzes the relationship between the financial literacy of rural residents and their plans for retirement. Using in-depth survey data from the Greater Bay Area, this work examines the region's demographic structures and presents the different levels of rural residents' financial literacy. The findings are robust and indicate a positive correlation between financial literacy and retirement planning. The examination also reveals the moderating role of risk attitudes to explain how financial literacy influences plans for retirement. Subsequent programs for rural residents can enhance their financial literacy, address issues regarding retirement, and collectively attain shared prosperity.

Suggested Citation

  • Qian, Yuting & Tan, Weiqiang & Wu, Jingbo, 2024. "Household financial literacy and retirement planning in rural China," International Review of Financial Analysis, Elsevier, vol. 93(C).
    • Handle: RePEc:eee:finana:v:93:y:2024:i:c:s1057521924000620
    DOI: 10.1016/j.irfa.2024.103130
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