Type of variables

Variables

Description of variables

Independent variables

Personal bank accounts

0 = no, 1 = yes

Microloans/microcredits

0 = no, 1 = yes

Diversified payments

0 = cash, 1 = digital

Financial management behavior

0 = no, 1 = yes

Financial literacy

1 = no, 2 = a little bit, 3 = moderate, 4 = familiar, 5 = skilled

Dependent variables

Consumption autonomy

0 = no, 1 = yes

Participation in major family decisions

0 = no, 1 = yes

Independent judge on marriage and family

0 = no, 1 = yes

Family financial resource control

0 = no, 1 = yes

Traveling freely

0 = no, 1 = yes

Other variables

Age

1 = <20 years old, 2 = 20 - 30 years old, 3 = 31 - 40 years old, 4 = 41 - 50 years old, 5 = >50 years old

Marriage

1 = unmarried, 2 = married, 3 = divorced, 4 = widowed

Family size

number of family members

Registered residence

0 = rural, 1 = urban

Religious beliefs

0 = no,1 = yes

Education

1 = none, 2 = elementary, 3 = junior high school, 4 = high school/vocational high school, 5 = college, 6 = bachelor’s degree, 7 = master’s degree and above

Average income per month*

1 = none; 2 = CNY 1570.00 - 2570.00; 3 = CNY 2570.00 - 3570.00; 4 = CNY 3570.00 - 4570.00; 5 = CNY 4570.00 - 5570.00; 6 = CNY 5570.00 or more