摘要
本文基于 2019 年中国家庭金融调查数据,运用模糊集定性比较分析(fsQCA)方法,从组态视角探寻通过提升广东省居民金融健康来增强家庭幸福感的有效路径.研究发现,金融健康的八个二级指标中,收入支出比、负债资产比、应急流动资产、意外保险参保率、养老保险覆盖率、风险资产配置、金融素养并不单独构成提升广东省家庭幸福感的先决条件,而数字化支付程度则是提升广东省家庭幸福感的先决但非决定性条件.由此进一步得出提升家庭幸福感的四条路径为平衡管理主导型、财务韧性主导型、财务韧性-金融素养主导型以及平衡管理-财务韧性主导型.其中,负债资产比和应急流动资产对家庭幸福感的提升产生关键作用.
Abstract
Based on the 2019 China Household Finance Survey data,this study employs fuzzy-set Qualitative Comparative Analysis(fsQCA)to explore the effective paths to enhance family well-being through improving the financial health of residents in Guangdong Province from a group perspective.The research finds that,among the eight second-level indicators of financial health,the income-expenditure ratio,debt-to-asset ratio,emergency liquidity,accidental insurance participation rate,pension insurance coverage rate,risk asset allocation,and financial literacy do not individually constitute prerequisites for enhancing family well-being,while the degree of digital payment is a prerequisite but not a decisive condition for enhancing family well-being in Guangdong Province.Further,the study identifies four paths to enhance family well-being,namely the Balance ManagementLed,Financial ResilienceLed,Financial ResilienceFinancial LiteracyLed,and Balance Management-Financial ResilienceLed,among which the debt-to-asset ratio and emergency liquidity play the key role in en-hancing family well-being.
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NSTL
万方数据