金融素养对家庭理财决策影响的性别差异  

Gender Differences in the Impact of Financial Literacy on Household Financial Decision-making

作　　者：孟德锋[1] 季颖 李丹[1] MENG Defeng;JI Ying;LI Dan(School of finance,Nanjing Audit University,Nanjing,Jiangsu 211815,China)

机构地区：[1]南京审计大学金融学院,江苏南京211815

出　　处：《金融教育研究》2020年第2期12-24,57,共14页Research of Finance and Education

基　　金：国家社会科学基金重大项目“金融服务养老的理论框架、国际经验、中国路径研究”(17ZDA072);国家自然科学基金项目“非正规金融与异质性农村家庭创业:驱动机理及适宜边界”(71703070);江苏高校哲学社科重点项目“新时代系统性金融风险演化机理、预警与防控机制研究”(2018SJZDI103);南京审计大学青年教师科研培育项目“利率市场化下社会资本对农户正规信贷约束的影响及机制研究”(18QNPY003);江苏省高校优势学科建设工程三期项目应用经济学(苏政办发[2018]87号);江苏省高校品牌专业建设一期工程项目金融学(PPZY2015B104)。

摘　　要：采用城市居民调查数据,分析金融素养对居民家庭理财决策影响的性别差异。研究结果显示(1)金融素养对居民承担理财决策责任有显著正向影响,在男性群体中较为明显,但在女性群体中效果不显著,而且男性和女性之间没有群体差异;(2)金融素养对制定家庭理财规划有积极促进作用,在男性群体和女性群体中都有明显表现,而且女性金融素养提高对其制定理财规划的作用比男性更大;(3)婚姻、年龄、风险承受能力以及家庭净资产、自有住房、成员健康状况等都是影响家庭理财决策的重要因素。Using the survey data of urban residents,this paper analyzes the gender difference of financial literacy on household financial decision-making.The results show that:(1)Financial literacy has a significant positive impact on residents’financial decision-making responsibility,which is more obvious in the male group,but not significant in the female group,and there is no group difference between the male and the female;(2)Financial literacy has a positive promoting effect on family financial planning,which has obvious performance in both male and female groups,and the improvement of female financial literacy plays a greater role in making financial planning than that of male;(3)Marriage,age,risk tolerance,family net worth,self-owned housing and members’health status are all important factors affecting family financial decisions.

关 键 词：金融素养 理财决策 理财规划 性别差异 

分 类 号：F832[经济管理—金融学]