数字普惠金融对黄河流域家庭金融资产配置的影响研究
A Study on the Impact of Digital Inclusive Finance on Household Financial Asset Allocation in the Yellow River Basin
王韶华 1马雯宇 1李庆怡1
作者信息
- 1. 燕山大学 经济管理学院,河北 秦皇岛 066004
- 折叠
摘要
以《中国家庭金融调查》2015-2019 年的黄河流域家庭面板数据为研究样本,探讨数字普惠金融对黄河流域家庭金融资产配置的影响,并进一步检验了数字普惠金融的机制作用与异质性因素.研究结果显示,数字普惠金融对黄河流域家庭金融资产配置有明显的改善作用;数字普惠金融可以通过提高家庭的互联网使用意愿、金融素养与增加家庭财富来改善黄河流域家庭金融资产配置;数字普惠金融对中上游家庭金融资产配置都有正向促进作用;相比于城镇家庭,数字普惠金融对黄河流域农村家庭的金融资产配置有更显著的正向促进作用.
Abstract
In recent years,the rapid development of digital inclusive finance has broken the limitations of physical services provided by financial institutions and focused on delivering high-quality financial products and services to households.This study examines the influence of digital inclusive finance on household finan-cial asset allocation in the Yellow River Basin,using panel data from the"China Household Finance Survey"for the period of 2015-2019.Furthermore,the study investigates the mechanism and heterogeneity factors associated with digital inclusive finance.The results demonstrate a significant improvement in household fi-nancial asset allocation due to digital inclusive finance in the Yellow River Basin.Additionally,digital inclu-sive finance enhances household internet usage intention,financial literacy,and wealth accumulation,thereby improving financial asset allocation in the region.Moreover,digital inclusive finance has a positive impact on financial asset allocation for households in both the upper and middle reaches of the Yellow River.Notably,digital inclusive finance has a more pronounced positive effect on financial asset allocation for rural house-holds compared to urban households in the Yellow River Basin.
关键词
数字普惠金融/黄河流域/家庭金融资产配置Key words
digital inclusive finance/Yellow River Basin/household financial asset allocation引用本文复制引用
出版年
2024
NETL
NSTL
维普
万方数据