金融关注度与家庭消费升级  

Financial Attention and Household Consumption Upgrading

作　　者：曹俺艮 

机构地区：[1]成都理工大学数学科学学院,四川 成都 [2]成都理工大学数学地质四川省重点实验室,四川 成都

出　　处：《应用数学进展》2025年第2期186-201,共16页Advances in Applied Mathematics

摘　　要：文章基于中国家庭金融调查(CHFS) 2019年的数据,深入探讨了金融关注度对家庭消费升级的影响及其机制。研究发现,金融关注度的提高有助于促进家庭消费升级,并且在采用工具变量法和替换被解释变量后,结果依然稳健。机制分析表明,金融关注度可以通过影响信贷约束和收入不确定性来影响家庭消费升级。此外,异质性分析显示,金融关注度能够促进中部、西部和东部地区的消费升级,但在东北地区这一效应并不显著。对于具有城乡背景的家庭群体,金融关注度对消费升级具有促进作用,但这种促进效果存在差异。Based on data from the China Household Finance Survey (CHFS) in 2019, this article conducted an in-depth study on the impact and mechanism of financial attention on household consumption upgrading. The study found that the increase in financial attention can help promote household consumption upgrading, and the results remain robust after using the instrumental variable method and substituting the explained variables. The mechanism analysis shows that financial attention can affect household consumption upgrading by influencing credit constraints and income uncertainty. In addition, heterogeneity analysis shows that financial attention can promote consumption upgrading in the central, western, and eastern regions, but this effect is not obvious in the northeast region. Financial attention has a promotion effect on consumption upgrading among household groups with urban and rural backgrounds, but there are differences in this promotion effect.

关 键 词：金融关注度 居民家庭消费 信贷需求 收入不确定性 

分 类 号：F83[经济管理—金融学]