数字普惠金融对家庭风险金融资产投资的影响  

Research on the Influence of Digital Inclusive Finance on Household Risky Financial Asset Investment

作　　者：吴昕 王建民[1] WU Xin;WANG Jianmin

机构地区：[1]安徽理工大学经济与管理学院,安徽淮南232001

出　　处：《淮南师范学院学报》2023年第3期72-78,共7页Journal of Huainan Normal University

基　　金：国家社科基金项目“长三角大气污染协同治理的区际生态补偿机制研究”(21BJY116)。

摘　　要：为衡量数字普惠金融的发展对于家庭风险金融资产投资的影响,文章使用中国家庭金融调查(CHFS)数据,采用Probit模型和Tobit模型进行实证探究。研究表明,数字普惠金融发展水平的提高可以增加家庭风险金融资产的持有概率和持有比重。同时研究发现,互联网的普及使用在其中发挥着显著的调节作用,可以加强数字普惠金融对于风险金融资产投资影响的正向效应。因此,文章提出加强互联网基础设施建设,以推动普惠金融的深度发展和乡村振兴目标的实现。In order to measure the impact of the development of digital inclusive finance on the investment of household risky financial assets,this paper uses the data of China Household Finance Survey(CHFS),and adopts Probit model and Tobit model for empirical research.The results show that the development level of digital inclusive finance can increase the holding probability and proportion of household risky financial assets.At the same time,it is also found that the popularization and use of the Internet plays a significant moderating role,which can strengthen the positive effect of digital inclusive finance on the investment of risky financial assets.Therefore,it is proposed to strengthen the construction of Internet infrastructure to promote the in-depth development of inclusive finance and the realization of the goal of rural revitalization.

关 键 词：数字金融 普惠金融 风险金融资产 互联网使用 

分 类 号：F832.5[经济管理—金融学]