数字乡村建设对农户金融资产配置的影响研究  

Research on the Impact of Digital Rural Construction on Rural Households’ Financial Asset Allocation

作　　者：詹晶 王旭英 ZHAN Jing;WANG Xu-ying(School of Economics,Management and Law,University of South China,Hengyang,Hunan 421001,China)

机构地区：[1]南华大学经济管理与法学学院,湖南衡阳421001

出　　处：《湘潭大学学报（哲学社会科学版）》2023年第5期40-47,共8页Journal of Xiangtan University:Philosophy And Social Sciences

基　　金：国家社会科学基金一般项目“数字乡村建设的农户行为响应与推进机制研究”(21BJY190)。

摘　　要：在测算全国各省份数字乡村建设指数的基础上,结合中国家庭金融调查数据(CHFS),实证分析数字乡村建设对农户金融资产配置的影响。结果表明,数字乡村建设显著促进农户参与金融市场,提高风险金融资产配置比例,提升金融资产多样化程度。机制分析表明,数字乡村建设主要通过增加农户收入和丰富社会资本等路径来影响农户金融资产配置。异质性分析发现,数字乡村建设对不同年龄段和受教育程度的农户金融资产配置的影响存在差异。Based on the calculation of the digital rural construction index in various provinces across the country,and combined with the China Household Finance Survey(CHFS) data,this study empirically analyzes the impact of digital rural construction on the rural households' financial asset allocation.The results indicate that the digital rural construction significantly promotes farmers' participation in the financial market,increases the proportion of risky financial asset allocation,and enhances the degree of financial asset diversification.Mechanism analysis shows that the digital rural construction mainly affects the allocation of financial assets for farmers by increasing their income and enriching social capital.Heterogeneity analysis has found that there are differences in the impact of digital rural construction on the financial asset allocation to farmers of different age groups and with different levels of schooling.

关 键 词：数字乡村 金融资产 资产配置 

分 类 号：F832[经济管理—金融学]