金融素养对居民养老资产配置的影响研究——基于CHFS数据的分析  

Research on the Impact of Financial Literacy on Residents’ Pension Asset Allocation——Analysis Based on CHFS Data

作　　者：张甜甜 薛晴[1,2] ZHANG Tian-tian;XUE Qing(School of Economics and Management,Chang’an University,710064,Xi'an,Shaanxi,China;School of Economics and Management,Shaanxi Normal University,710064,Xi'an,Shaanxi,China)

机构地区：[1]长安大学经济与管理学院,陕西西安710064 [2]陕西师范大学经济与管理学院,陕西西安710064

出　　处：《特区经济》2022年第4期86-90,共5页Special Zone Economy

基　　金：陕西省软科学研究计划一般项目“生态环境约束下的陕西省城镇化发展路径研究”(项目号:2017KRM163)。

摘　　要：本文运用2017年中国家庭金融调查与研究中心(CHFS)的数据,借助Probit和Order Probit模型,探究了金融素养对居民养老资产配置的关系。结果表明,金融素养对居民养老资产配置具有正向影响。从影响机制来看,风险态度在金融素养对养老资产配置的影响过程中存在显著中介效应。在老龄化日趋严重的今天,居民应提升自身金融素养,积极优化养老资产配置。Using the data of China Household Finance Survey and Research Center(chfs) in 2017 and with the help of probit and order probit models,this paper explores the relationship between financial literacy and residents’ Pension Asset allocation.The results show that financial literacy has a positive impact on Residents’ Pension Asset allocation.From the perspective of impact mechanism,risk attitude has a significant intermediary effect in the impact of financial literacy on Pension Asset allocation.In today’s increasingly serious aging,residents should improve their financial literacy and actively optimize the allocation of pension assets.

关 键 词：金融素养 养老资产配置 异质性 中介效应 

分 类 号：F830[经济管理—金融学]