铜仁学院学报2024，Vol.26Issue(2) ：98-110,118.

女性家庭决策行为对居民家庭风险性资产配置的影响效应研究

Study on the Influential Effect of Female Family Decision-making Behavior on Household Risk Asset Allocation

陈治国 陈俭 戎岩 张凡
铜仁学院学报2024，Vol.26Issue(2) ：98-110,118.
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女性家庭决策行为对居民家庭风险性资产配置的影响效应研究

Study on the Influential Effect of Female Family Decision-making Behavior on Household Risk Asset Allocation

陈治国 1陈俭 2戎岩 3张凡4
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作者信息

  • 1. 咸阳师范学院 经济与管理学院,陕西 咸阳 712000
  • 2. 铜仁学院 经济管理学院,贵州 铜仁 554300
  • 3. 咸阳师范学院 历史文化学院,陕西 咸阳 712000
  • 4. 长安银行 西安曲江新区支行,陕西 西安 710061
  • 折叠

摘要

基于清华大学中国金融研究中心消费金融网络调查数据等,运用Logit模型与Tobit模型实证估计了女性家庭决策行为对居民家庭风险性金融资产配置参与动机与参与深度的影响效果,并进行了区域异质性分析.实证研究发现:(1)女性家庭决策行为对居民家庭风险性金融资产配置的参与动机与参与深度均有正向促进效应,由此表明女性实施家庭决策安排有助于优化家庭资产投资组合策略.(2)区域异质性分析发现西部地区女性家庭决策行为对家庭风险性金融资产配置的参与动机有抑制影响,对参与深度有统计水平不显著的微弱正效应,而东部与中部地区的女性家庭决策行为对家庭风险性金融资产配置的参与动机与参与深度均有显著的正向影响,且东部的正向影响效果尤为明显.据此提出优化居民家庭决策模式以改善居民家庭资产配置方式的针对性政策.

Abstract

Based on the consumer finance network survey data from the China Center for Financial Research in Tsinghua University,this study uses the Logit model and Tobit model to empirically estimate the effect of female family decision-making behavior on the participation motivation and participation depth of household risky financial asset allocation,and conducted regional heterogeneity analysis.The empirical research finds that:(1)The female family decision-making behavior has a positive effect on the participation motivation and participation depth of household risky financial asset allocation,which shows that women implement family decision arrangements can help optimize household asset portfolio strategy.(2)The regional heterogeneity analysis finds that the female family decision-making behavior has an inhibitory influence on the participation motivation of household risky financial asset allocation,and a weak positive effect on the depth of participation in Western China.While the female family decision-making behavior has a significant positive impact on the participation motivation and participation depth of household risky financial asset allocation in Eastern China and Central China,and the positive effect is particularly obvious in Eastern China.Accordingly,this paper proposes the targeted policy enlightenment of optimizing the household decision-making mode to improve the household asset allocation method.

关键词

女性家庭决策行为/资产配置/参与动机/参与深度

Key words

female family decision-making behavior/asset allocation/participation motivation/participation depth

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基金项目

国家社会科学基金青年项目(20CJY017)

教育部人文社会科学研究青年基金项目(19YJC790056)

出版年

2024
铜仁学院学报
铜仁学院

铜仁学院学报

影响因子：0.199
ISSN：1673-9639
参考文献量32
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