数字普惠金融对城乡家庭金融可得性实证研究  

Empirical Research on the Influence of Digital Inclusive Finance on the Financial Availability of Urban and Rural Households

作　　者：刘华仪 LIU Huayi(School of Business,Henan University of Science and Technology,Luoyang 471000,China)

机构地区：[1]河南科技大学商学院,河南洛阳471000

出　　处：《商业观察》2024年第17期100-103,120,共5页BUSINESS OBSERVATION

摘　　要：数字普惠金融发展与城乡家庭金融可得性的关系直接影响着城乡二元经济结构,打破城乡二元结构是当前促进要素更多向乡村流动的重要途径。文章结合CHFS与数字普惠金融发展指数及相关数据,通过Probit与Tobit模型,研究并分析数字普惠金融对城乡家庭金融可得性的影响关系。The relationship between the development of digital inclusive finance and the financial availability of urban and rural households directly affects the urban-rural dual economic structure.Breaking the urban-rural dual structure is an important way to promote the flow of factors to rural areas.This paper combines CHFS and digital inclusive finance development index and related data,studies and analyzes the relationship between digital inclusive finance and the financial availability of urban and rural households through Probit and Tobit models.

关 键 词：数字普惠金融 城乡家庭金融可得性 数字素养 

分 类 号：F832[经济管理—金融学] F49