摘要
针对居民杠杆率的宏观影响因素,采用协整分析和向量误差修正模型对我国GDP增长率、基尼系数、老年人赡养比和居民杠杆率进行实证分析,得出我国居民杠杆率优化内涵,并提出普惠金融业务优化居民杠杆率的路径,即:加强征信体系建设,建立数字普惠金融教育的长效机制;加强针对老年客户群体的金融产品的开发,提升养老普惠金融的服务能力。
As for the macro factors influencing the leverage ratio of a country′s residents,China′s GDP growth rate,gini coefficient,elderly support ratio and household leverage ratio were co-integrated and vector error correction model was established,the connotation of the need to optimize the resident leverage ratio is obtained,and the path of optimizing household leverage ratio through inclusive finance business is put forward:to strengthen the development of credit system,establish long-term mechanism of digital inclusive financial education,and strengthen the development of financial products for elderly customer group,and improve endowment inclusive financial service ability.
作者
王力平
隋杰
WANG Liping;SUI Jie(School of Economics and Management,Tianjin University of Technology and Education,Tianjin 300222,China)
出处
《天津职业技术师范大学学报》
2021年第2期47-52,共6页
Journal of Tianjin University of Technology and Education
关键词
普惠金融
居民杠杆率
收入不平等
老龄化
inclusive finance
household leverage ratio
income inequality
aging
