普惠金融深化背景下影响消费者金融生活信心的关键因素研究——基于湖北省2022年金融健康调查数据  

Key Factors Influencing Consumer Financial Confidence under the Background of Deepening Inclusive Finance:A Study Based on the 2022 Financial Health Survey Data of Hubei Province

作　　者：许宇珊 Xu Yushan(The People's Bank of China Wuhan Branch)

机构地区：[1]中国人民银行武汉分行

出　　处：《金融经济》2023年第4期93-100,共8页Finance Economy

摘　　要：本文基于湖北省2022年居民金融健康问卷调查开展实证研究,对影响消费者金融生活信心的主要因素进行实证分析。结果表明,良好的金融行为有助于增强金融生活信心;城镇居民的金融生活信心明显高于农村居民;部分消费者对金融产品存在错误认知且缺乏相应的金融素养;老年群体使用数字金融的活跃度更低,但对当前和预期的金融生活信心更足。鉴于此,本文提出充实普惠金融内涵,有效提升消费者金融素养水平和消费者金融健康水平的建议。Based on the 2022 Hubei province residents'financial health questionnaire survey,this paper conducts an empirical analysis of the main factors affecting consumers'financial confidence.The results show that good financial behavior helps enhance financial confidence;urban residents have significantly higher financial confidence than rural residents;some consumers have incorrect understanding of financial products and lack corresponding financial literacy;the elderly group has lower activity in using digital finance,but has more confidence in current and expected financial life.In view of this,this paper proposes suggestions for enriching the connotation of inclusive finance and effectively improving consumers'financial literacy level and financial health level.

关 键 词：金融生活信心 普惠金融 金融健康 影响因素 

分 类 号：F832[经济管理—金融学]