金融素养对家庭金融参与的地区差异影响研究——基于数字普惠金融的调节效应
Regional Difference in the Impact of Financial Literacy on Household Financial Participation:The Moderating Effect of Digital Inclusive Finance
霍江林 1赵文瑞 1褚夫志2
作者信息
- 1. 中国石油大学(华东) 经济管理学院,山东青岛 266580
- 2. 中石化胜利海上石油工程技术检验有限公司,山东东营 257100
- 折叠
摘要
基于我国家庭金融调查数据与数字普惠金融指数,探究数字普惠金融的发展对金融素养与家庭金融参与关系的影响及其地区差异性.研究发现,金融素养的提高能显著促进家庭金融参与,数字普惠金融的发展可正向调节金融素养与家庭金融参与的关系,这一结果在增加工具变量和进行稳健性检验后依然成立.进一步研究发现,在"硬弱感地区"和"软弱感地区",数字普惠金融的发展仅正向调节金融素养与家庭金融参与深度的关系;在"易感地区",调节效应与总样本一致;在"无感地区",调节效应不显著;金融素养与家庭金融参与深度的调节效应呈现"东部引领,中西部协调促进"的态势.
Abstract
Based on the data of China Household Finance Survey and Digital Financial Inclusive Index,this paper explores the impact of the development of digital inclusive finance on the relationship between financial literacy and household financial participation(in-cluding participation breadth and depth),and its regional differences.The study found that the improvement of financial literacy can significantly promote household financial participation,and the development of digital inclusive finance has a positive moderating effect on the relationship between financial literacy and household financial participation.This result is still valid after using instrumental var-iables and a series of robustness tests.Further research found that for the"easily weak sensing areas"and"rigidly weak sensing are-a",the development of digital inclusive finance only positively moderates the relationship between financial literacy and the depth of household financial participation;For the"susceptible areas",the moderating effect consistent with the total sample.For the"insus-ceptible areas",the moderating effect is not significant.The moderating effect of the relationship between financial literacy and the depth of household financial participation shows a trend of"East is leading,and central and western regions are coordinating and pro-moting".
关键词
金融素养/家庭金融参与/数字普惠金融/调节效应/地区差异性Key words
financial literacy/household financial participation/digital financial inclusion/regional difference/moderating effect引用本文复制引用
出版年
2024
国家科技期刊平台
NSTL
万方数据