数字普惠金融发展对家庭基金投资配置的影响研究  

Research on the Impact of the Development of Digital Inclusive Finance on Household Investment Fund Allocation

作　　者：张红[1] 马新彤 ZHANG Hong;MA Xintong(Business School of Liaocheng University,Liaocheng Shandong 252000,China)

机构地区：[1]聊城大学,山东聊城252000

出　　处：《北京经济管理职业学院学报》2024年第4期41-47,共7页Journal of Beijing Institute of Economics And Management

基　　金：山东省高等学校青创科技支持计划(2023RW052);教育部人文社会科学研究青年项目(19YJC790140).

摘　　要：文章基于中国家庭金融调查(CHFS)数据和数字普惠金融指数,实证检验数字普惠金融发展对中国家庭基金投资配置的影响。研究表明,数字普惠金融的发展显著提升了中国家庭投资金融资产的概率和配置规模,其中金融知识在二者关系中起到了中介作用。随着家庭金融知识水平和互联网参与程度的提高,数字普惠金融对家庭金融资产配置的影响效应凸显。Based on the data of the China Household Finance Survey(CHFS)and the Digital Financial Inclusion Index,this paper empirically examines the impact of the development of digital inclusive finance on the allocation of Chinese household investment funds.The research proves that the development of digital inclusive finance significantly improves the probability and scale of Chinese households'allocation of financial assets,and financial knowledge plays an intermediary role in the relationship between the two.With the improvement of household financial knowledge and Internet participation,the impact of digital inclusive finance on household investment fund allocation becomes prominent.

关 键 词：数字普惠金融 家庭基金投资 金融知识水平 金融资产配置 

分 类 号：F832[经济管理—金融学]