This article selects the 2011-2019 China Household Finance Survey data as a sample to explore the relationship between Internet finance and financial asset allocation efficiency of rural households.It is found that under the current level of Internet finance development,Internet finance can improve the financial accessibility of rural households,but it does not alleviate financial exclusion,it fails to promote the financial asset allocation efficiency of rural households.Heteroge-neity analysis shows that the development of the secondary industry and industrialization helps to play the role of Internet finance in improving finan-cial asset allocation efficiency of rural households;compared with engaging in the individual economy,Internet finance has a more significant role in pro-motion effect on financial asset allocation efficiency of rural households employed in private enterprises.It is suggested that the role of Internet finance in allocating financial assets of rural households should be given full play by strengthening financial literacy to reduce financial exclusion,promoting the industrialization of rural industries,and guiding financial institutions to penetrate into the rural mar-ket in depth.
Internet financeFinancial asset allocation efficiency of rural householdsFinancial availabilityFinancial exclusion
NETL
NSTL
万方数据
