数字普惠金融对家庭风险资产投资的影响——基于中国家庭金融调查数据的实证研究
The Influence of Digital Inclusive Finance on Household Risky Asset Investment
李强 1陈山漫 1童湛雅2
作者信息
- 1. 宁波财经学院,浙江宁波 315175
- 2. 江汉大学,湖北武汉 430056
- 折叠
摘要
数字普惠金融对家庭金融市场参与有着显著的影响.利用数字普惠金融指数和中国家庭金融调查数据,实证检验数字普惠金融对家庭风险资产投资的影响,研究发现:数字普惠金融可以显著促进家庭风险资产投资,并通过信贷服务传导机制拓展家庭投资理财边界;异质性分析表明,数字普惠金融对经济较发达的东中部地区和农村地区的影响效应更显著.要打造健康的数字普惠金融生态,应进一步提升数字普惠金融服务效率,加快推进新型数字基础设施建设,多维度提升居民的数字金融素养,共享数字红利.
Abstract
Digital inclusive finance has a significant influence on the participation of household financial market.Based on the statistics of 2015 and 2017 investigated by survey and research center for China household finance(CHFS)in Southwestern University of Finance and Economics,the essay empirically verifies the impact of digital inclusive finance on household risky asset investment.The study shows that digital inclusive finance can significant-ly boost household risky asset investment,and expand the boundary of family finance by credit services mechanism.Heterogeneity analysis indicates that digital inclusive finance has a more marked impact on eastern and central re-gions where the economy are more prosperous than other regions,and the one on rural areas as well.It is necessary to create a healthy digital inclusive financial ecosystem,further improve the efficiency of digital inclusive financial services,accelerate the construction of new digital infrastructure,and enhance residents'digital financial literacy in multiple dimensions to share digital dividends.
关键词
数字普惠金融/风险资产/信贷服务Key words
Digital Inclusive Finance/Risky Assets,/Credit Services引用本文复制引用
出版年
2024
NETL
NSTL
万方数据