中国社会情景下信息配置与家庭资产分散化研究  

Information Allocation and Family Asset Diversification in Chinese Social Context

作　　者：朱涛[1] 张礼乐 徐明瑜[1] ZHU Tao;ZHANG Lile;XU Mingyu(School of Economics & Management,Southeast University,Nanjing 211100,China)

机构地区：[1]东南大学经济管理学院,江苏南京211100

出　　处：《大连理工大学学报（社会科学版）》2019年第1期23-30,共8页Journal of Dalian University of Technology(Social Sciences)

基　　金：江苏省教育科学"十二五"规划2013年度课题:"基于问题的大学生金融素养的教学模式研究"(D/2013/01/036)

摘　　要：在当前中国社会聚焦投资的背景下,家庭金融活动作为一种社会化过程,依赖于社会互动的个体信息配置对分散化投资的影响显得尤为关键。通过构建一个具有信息配置特征的内外因素——金融素养与社会互动的理论框架,实证检验了社会互动、金融素养对家庭资产分散化的综合影响。研究结果表明,与参考群体互动并获取信息有效地促进了个体分散化投资;金融素养越高的家庭越倾向于分散化配置资产;社会互动对资产分散化的影响受到金融素养的正向调节作用。As investment draws more and more attention in Chinese society,household financial activity has become a socialization process.In this process,socially interactive individual information allocation has a particularly crucial impact on diversified investment.By constructing a theoretical framework that takes into account information allocation features,including financial literacy and social interaction,the internal and external factors,this paper empirically tests the impact of financial literacy and social interaction on household asset diversification.The results show that interacting with the reference group and obtaining information improves household investment diversification effectively;the higher the household financial literacy level is,the more likely that the household diversifies its investment;the social interaction impact on diversification is positively moderated by financial literacy.

关 键 词：信息配置 社会互动 金融素养 资产分散化 金融教育 

分 类 号：F832.5[经济管理—金融学] F830.9