金融素养对家庭养老资产配置的影响研究——基于CHFS数据的实证分析  

A Study on the Impact of Financial Literacy on Family Elderly Care Asset Allocation:An Empirical Analysis Based on CHFS Data

作　　者：何伟静[1] HE Weijing

机构地区：[1]济南大学管理科学与工程学院,山东济南250002

出　　处：《济南大学学报(社会科学版)》2025年第2期151-162,192,共13页Journal of University of Jinan:Social Science Edition

基　　金：国家社会科学基金重点项目“‘时间银行’养老模式交换机制及路径优化研究”(项目编号:24ARK003)。

摘　　要：金融素养是居民高效规划养老的基础,是推动养老金融领域发展的核心驱动力。根据中国家庭金融调查(CHFS2019)的数据,研究发现金融素养不仅能促进家庭养老资产配置的多元化与深度参与,还显著提升了配置效率。不过,这种效应在居民学历和城乡结构上存在显著差异。进一步的机制分析表明,金融信息获取能力与个人风险态度是金融素养作用于家庭养老资产配置的关键因素。基于此,提出加强金融教育的普及,促进金融信息的有效流通,推动养老金融产品与服务创新等举措,助力家庭养老资产的合理配置。Financial literacy serves as the foundation for residents'efficient elderly care planning and acts as the core driving force for promoting the development of elderly care finance.Based on the data from the China Family Finance Survey(CHFS2019),this study reveals that financial literacy can not only encourage the diversification and in-depth participation of family elderly care asset allocation but also significantly enhance the allocation efficiency.Nevertheless,there are notable disparities in residents'educational backgrounds and the urban-rural structure.A further analysis of the mechanism indicates that the ability to acquire financial information and personal attitudes towards risk are the crucial factors through which financial literacy influences family elderly care asset allocation.On this basis,this paper proposes several measures,including strengthening the popularization of financial education,facilitating the effective circulation of financial information,and promoting the innovation of financial products and services for elderly care in order to assist the rational allocation of family elderly care assets.

关 键 词：金融素养 家庭养老资产配置 金融信息 风险态度 

分 类 号：F832.48[经济管理—金融学] F063.4