金融素养有利于代际收入流动吗——基于家庭追踪调查数据的研究  

Does Financial Literacy Promote Intergenerational Income Mobility?A Study Based on Family Tracking Data

作　　者：赵立业 吴卫星[1] Zhao Liye;Wu Weixing(School of Banking and Finance,University of International Business and Economics,Beijing 100105,China)

机构地区：[1]对外经济贸易大学金融学院,北京100105

出　　处：《金融经济学研究》2022年第1期18-41,共24页Financial Economics Research

基　　金：国家社会科学基金重大项目(16ZDA033)。

摘　　要：基于中国家庭追踪调查2014年的数据,采用因子分析法构建金融素养指标,分析金融素养对代际收入流动的影响及其异质性,结果表明,金融素养能够降低父代收入对子代的影响,促进代际收入流动;通过影响创业活动和负债倾向,金融素养对农业户口和低收入群体作用效果更明显。在教育不平等背景下,金融素养能缓解由教育结果不平等引起的代际收入持续性。提高金融素养是促进低收入群体代际流动,实现共同富裕的一条途径。Using 2014 China Family Panel Studies data,this paper constructs indicators of financial literacy using factor analysis to explore the impact and heterogeneity of financial literacy on intergenerational income mobility.The results show that financial literacy can reduce the influence of parents’income on their children and can promote intergenerational income mobility.By affecting entrepreneurial activities and liability propensity,financial literacy has a more evident effect on rural households and low-income groups.In the context of educational inequality,financial literacy can alleviate intergenerational income persistence caused by educational inequality.Improving financial literacy is a way to promote the intergenerational mobility of low-income groups and achieve common prosperity.

关 键 词：代际收入流动 金融素养 教育不平等 共同富裕 

分 类 号：F832[经济管理—金融学]