互联网金融对居民投资理财行为的影响研究  

Research on the Influence of Internet Finance on Residents'Investment and Financial Management Behavior

作　　者：张湉 ZHANG Tian

机构地区：[1]福建师范大学,福建福州350000

出　　处：《吉林金融研究》2023年第6期28-34,共7页Journal of Jilin Financial Research

摘　　要：本篇文章通过分析2019年中国家庭金融调查数据CHFS,选取解释变量为是否使用第三方支付和参与互联网理财,运用Probit二值选择模型,主要分析互联网金融对居民是否参与投资理财的影响,并进行了稳健性检验。实证研究结果表明:互联网金融与居民投资理财参与存在显著的正相关关系,表明居民使用第三方支付和参与互联网理财程度越高,参与投资理财的行为越多。最后,基于实证研究结论结合居民投资理财现状,提出相应的政策建议,以期促进金融行业的创新以及国家宏观经济的稳定。This article analyzes the 2019 China Household Finance Survey data CHFS,selects the explanatory variable as whether to use third-party payment and participate in Internet financial management,and uses the Probit binary selection model to mainly analyze the impact of Internet finance on whether residents participate in investment and financial management,and conduct robustness check.The empirical research results show that there is a signifi cant positive correlation between Internet finance and residents'participation in investment and financial management,indicating that the higher the degree of residents'use of third-party payment and participation in Internet fi nancial management,the more behaviors they participate in investment and fi nancial management.Finally,based on the empirical research conclusions and the status quo of residents'investment and fi nancial management,corresponding policy suggestions are put forward,in order to promote the innovation of the fi nancial industry and the stability of the national macro economy.

关 键 词：互联网金融 投资理财 第三方支付 互联网理财 

分 类 号：F830[经济管理—金融学]