摘要
为探讨互联网使用对家庭金融资产配置的影响及其作用机制,文章基于2017年中国家庭金融调查数据,采用probit和tobit模型实证检验了互联网使用对我国家庭金融资产配置的影响。结果显示:互联网使用既提高了家庭风险金融市场参与率及其风险金融资产占比,也提升了家庭金融资产组合的多样性和有效性。机制分析表明,互联网使用通过提升金融素养、增强投资便利性和提高家庭收入进而优化家庭金融资产配置。进一步的分析发现,互联网使用对家庭金融资产配置的影响作用在东部地区、城镇和受教育水平更高的家庭群体中更加明显。因此,应充分运用互联网技术作为普及大众金融知识和推广金融理财的有效工具,优化家庭金融资产配置,提升家庭的财产性收入,增进家庭金融福利。
In order to explore the impact of Internet use on household financial asset allocation and its mechanism, this paper empirically tests the impact of Internet use on household financial asset allocation in China using probit and tobit models based on the2017 survey data of China’s household finance. The results show that the use of the Internet not only improves the participation rate of family risk financial market and the proportion of risk financial assets, but also improves the diversity and effectiveness of family financial asset portfolio. Mechanism analysis shows that the use of the Internet optimizes the allocation of family financial assets by improving financial literacy, enhancing investment convenience and improving household income. Further analysis shows that the impact of Internet use on household financial asset allocation is more obvious in eastern regions, towns and families with higher education levels. Therefore, Internet technology should be fully used as an effective tool to popularize public financial knowledge and financial management, optimize the allocation of family financial assets, enhance the property income of families, and improve family financial welfare.
作者
叶婷
梁嘉翔
程昆
余秀江
Ye Ting;Liang Jiaxiang;Cheng Kun;Yu Xiujiang(School of Economics and Management,South China Agricultural University,Guangzhou 510642,China)
出处
《新疆农垦经济》
2022年第12期41-55,共15页
Xinjiang State Farms Economy
基金
国家社会科学基金一般项目(项目编号:14BJY186)
广东省哲学社会科学一般项目(项目编号:GD17CYJ05)。
关键词
互联网使用
家庭金融资产
金融素养
投资便利性
internet use
household financial assets
financial literacy
investment convenience
