摘要
本文基于北京大学数字普惠金融指数和中国家庭金融调查数据,以2015年、2017年、2019年三期居民家庭面板数据为样本,实证检验数字普惠金融对居民家庭财富的影响效果及其作用机制。结果显示:数字普惠金融总指数可有效推动居民家庭财富增长,覆盖广度、使用深度及数字化程度均对家庭财富产生促进作用。机制检验表明,数字普惠金融通过提升居民金融素养来提高家庭财富。异质性检验发现,数字普惠金融对中西部地区家庭财富的促进作用更显著,更能帮助低收入及相对贫困家庭进行财富积累。最后,从政府、金融机构等层面提出推动数字普惠金融发展和提高居民家庭财富的对策建议。
Based on the data of Peking University’s Digital Financial Inclusion Index and China’s Household Finance Survey, taking three periods of household panel data in 2015, 2017 and 2019 as samples, this paper empirically tests the effect and mechanism of digital financial inclusion on household wealth. The results show that the total index of digital financial inclusion can effectively improve household wealth and coverage, depth of use and degree of digitalization all promote household wealth.The mechanism test results indicated that digital financial inclusion improves household wealth by improving residents’ financial literacy. The heterogeneity test found that digital inclusive finance has a more significant role in promoting the family wealth of residents in the central and western regions,and can better help low-income and relatively poor families to accumulate wealth. Finally, from the government, financial institutions and other levels to promote the development of digital inclusive finance and improve household wealth.
出处
《浙江金融》
2022年第12期32-42,共11页
Zhejiang Finance
基金
2021年湖南省社会科学基金项目(21JD020)成果。
关键词
数字普惠金融
金融素养
家庭财富
Digital Inclusive Finance
Financial Literacy
Household Wealth
