金融素养、金融监管与金融欺诈  

Financial Literacy,Financial Regulation and Financial Fraud

作　　者：雷汉云[1] 杜笑妍 LEI Han-yun;DU Xiao-yan(College of Finance,Xinjiang University of Finance and Economics,Urumqi 830012,Xinjiang,China)

机构地区：[1]新疆财经大学金融学院,新疆乌鲁木齐830012

出　　处：《石河子大学学报（哲学社会科学版）》2024年第5期68-77,共10页Journal of Shihezi University(Philosophy and Social Sciences)

基　　金：国家社科基金项目“西部民族地区普惠金融影响经济高质量发展的空间效应研究”(21BJY045);新疆财经大学研究生科研创新项目“金融科技助力新疆现代化产业发展的机理与政策研究”(XJUFE2023K018)。

摘　　要：近年来,频发的金融欺诈扰乱了金融秩序,危害了参与者的利益,金融反欺诈已迫在眉睫,而金融素养、金融监管是金融反欺诈的重要手段。该文构建了金融素养抑制金融欺诈的理论框架,利用CHFS数据测度居民金融素养综合指数,通过构建静态与动态面板模型探讨了金融素养与金融欺诈之间的关系以及金融监管在其中的调节作用,并对不同群体的异质性进行分析。研究表明:居民金融素养的提高以及地方金融监管的加强均能有效抑制金融欺诈事件的发生,且金融监管在其中具有正向调节作用;不同群体的金融素养对金融欺诈的抑制效果具有差异性,如学历较高的人群可能存在过度自信的心理特征,但可通过提高自身金融素养来防范金融欺诈事件的发生。In recent years,frequent financial fraud has disturbed the financial order and harmed the interests of participants.Thus financial anti-fraud is imminent,and financial literacy and financial supervision are important means for financial anti-fraud.In this paper,a theoretical framework of financial literacy suppression of financial fraud is constructed,CHFS data is used to measure the residents’financial literacy composite index,the relationship between financial literacy and financial fraud and the moderating role of financial regulation are discussed by constructing static and dynamic panel models,and the heterogeneity of different groups is then analyzed.The results show that the improvement of residents’financial literacy and the strengthening of local financial supervision can effectively inhibit the occurrence of financial fraud events,and financial supervision has a positive moderating effect.Different groups of financial literacy have different inhibitory effects on financial fraud.For example,people with higher education level may have the psychological characteristics of overconfidence,while they can improve their financial literacy to prevent the occurrence of financial fraud.

关 键 词：金融素养 金融监管 金融欺诈 调节效应 

分 类 号：F49[经济管理—产业经济] F832