本文關(guān)鍵詞：財(cái)富不平等會(huì)抑制金融素養(yǎng)對(duì)家庭借貸行為的作用效果嗎——基于CHFS數(shù)據(jù)的經(jīng)驗(yàn)分析　出處：《經(jīng)濟(jì)理論與經(jīng)濟(jì)管理》2017年09期 　論文類(lèi)型：期刊論文

  更多相關(guān)文章： 金融素養(yǎng) 財(cái)富不平等 家庭借貸行為 城鄉(xiāng)差異

【摘要】：本文基于2013年中國(guó)家庭金融調(diào)查(CHFS)數(shù)據(jù),選用工具變量法,考察了金融素養(yǎng)對(duì)城鄉(xiāng)家庭借貸行為影響的差異性,并驗(yàn)證了財(cái)富不平等擴(kuò)大會(huì)抑制金融素養(yǎng)對(duì)家庭借貸行為的影響。研究發(fā)現(xiàn):(1)金融素養(yǎng)是影響家庭借貸行為的重要因素。戶主金融素養(yǎng)水平的改善顯著提高了家庭發(fā)生借貸的概率與家庭借貸規(guī)模。(2)金融素養(yǎng)對(duì)城鄉(xiāng)家庭借貸行為的影響存在明顯差異,金融素養(yǎng)的提高對(duì)信貸約束較為嚴(yán)重的農(nóng)村家庭借貸行為的促進(jìn)作用更大。(3)財(cái)富不平等對(duì)家庭借貸行為存在明顯的抑制作用,財(cái)富不平等的擴(kuò)大減少了家庭借貸需求,降低了家庭發(fā)生借貸的概率和家庭負(fù)債規(guī)模。(4)隨著家庭財(cái)富不平等程度的擴(kuò)大,金融素養(yǎng)對(duì)家庭借貸行為的促進(jìn)作用受到抑制。基于以上結(jié)論,政府應(yīng)該大力開(kāi)展消費(fèi)者金融素養(yǎng)教育,注重家庭收入分配合理性,從而推動(dòng)我國(guó)消費(fèi)金融市場(chǎng)的健康發(fā)展。
[Abstract]:Based on the CHFS2013 data of China Household Finance Survey, this paper uses the instrumental variable method to investigate the difference of the financial literacy impact on the lending behavior of urban and rural households. It also proves that the widening of wealth inequality inhibits the influence of financial literacy on household lending behavior. Financial literacy is an important factor affecting household lending behavior. The improvement of financial literacy level of household heads has significantly increased the probability of household borrowing and the scale of household borrowing. There are significant differences in the influence of financial literacy on the lending behavior of urban and rural households. The improvement of financial literacy has a greater role in promoting the lending behavior of rural households, where credit constraints are more serious. (3) Wealth inequality has a significant inhibitory effect on household lending behavior. The increase of wealth inequality reduces the demand for household borrowing, reduces the probability of household borrowing and the scale of household debt.) with the increase of household wealth inequality. Based on the above conclusion, the government should vigorously carry out consumer financial literacy education and pay attention to the rationality of household income distribution. In order to promote the healthy development of China's consumer financial market.
【作者單位】： 湘潭大學(xué)商學(xué)院;
【基金】：國(guó)家社會(huì)科學(xué)基金項(xiàng)目(14BJL029)的資助
【分類(lèi)號(hào)】：F126;F832.4
【正文快照】： *伍再華、葉菁菁、郭新華,湘潭大學(xué)商學(xué)院,郵政編碼:411105,電子信箱:wuzaihua629@126.com。本文得到(1)中國(guó)人民銀行金融消費(fèi)權(quán)益保護(hù)局于2013年7月首次針對(duì)我國(guó)消費(fèi)者金融素養(yǎng)情況進(jìn)行全國(guó)性的調(diào)查。調(diào)查發(fā)現(xiàn),中國(guó)消費(fèi)者金融知識(shí)整體水平有待提高,且消費(fèi)者金融知識(shí)水平城鄉(xiāng)

【相似文獻(xiàn)】

相關(guān)重要報(bào)紙文章 前1條

1 黃瀚銘;日本政企藕斷絲連降息仍舊理不清[N];中國(guó)經(jīng)營(yíng)報(bào);2001年

，

本文編號(hào)：1440661