金融设施与家庭收入——基于京津冀地区微观数据的实证研究  

Financial Facilities and Household Income —Empirical Study Based on Beijing-Tianjin-Hebei Region Microdata

作　　者：尹志超[1] 栗媛 YIN Zhichao;LI Yuan(Capital University of Economics and Business,Beijing 100070)

机构地区：[1]首都经济贸易大学金融学院

出　　处：《首都经济贸易大学学报》2019年第4期34-41,共8页Journal of Capital University of Economics and Business

基　　金：国家自然科学基金面上项目“流动性约束与中国家庭金融行为”(71373213);国家社会科学基金重点项目“互联网消费金融的发展风险与监管”(16AZ014);北京市社会科学重大项目“金融普惠与京津冀协同发展”(15ZDA45)

摘　　要：基于2017年中国家庭金融调查(CHFS)京津冀的样本数据,研究社区金融设施数量和占比状况,研究发现京津冀地区金融设施分布不均衡,且城乡分布差异很大。在社区层面估计发现,京津冀社区金融设施数量的增加有利于提高社区家庭平均收入。进一步分析发现,金融设施对京津冀地区不同收入家庭的影响程度不同,随着家庭收入水平的提高,金融设施对家庭收入的正向影响程度逐渐减弱。因此,要使金融设施惠及农村等贫困地区,以提高农村地区金融服务的获得性。Based on the sample data of China’s household finance survey (CHFS)of Beijing-Tianjin-Hebei in 2017,this paper studies the number and proportion of financial facilities in the communities,and finds that the financial facilities in Beijing-Tianjin-Hebei region are unevenly distributed,and the distribution between urban and rural areas is very different.It is found that the increase in the number of financial facilities of Beijing-Tianjin-Hebei community improves the community average household income,at the community level.Further analysis inds that financial facilities have different influences on different household incomes in the Beijing-Tianjin-Hebei region,with the improvement of household income level,the positive influence of financial facilities on household income gradually weakens.Therefore,this paper proposes that financial facilities should benefit poor areas such as rural areas and improve the availability of financial services in rural areas.

关 键 词：京津冀地区 金融设施 家庭收入 金融服务可得性 

分 类 号：F830.6[经济管理—金融学]