摘要
随着金融科技的迅速发展,数字普惠金融逐渐走进居民家庭。基于此,文章探究了数字普惠金融对我国家庭金融资产投资的影响。实证结果显示:数字普惠金融的发展对家庭金融资产投资存在显著正向作用。其中,数字普惠金融分别通过金融素养、风险偏好和收入水平、家庭消费性支出两条链式中介路径正向促进家庭投资多样化。本文的研究结论为推动金融知识普及,刺激消费性支出,优化互联网投资渠道并推动数字普惠金融发展提供了理论支持。
With the rapid development of financial technology,digital inclusive finance has gradually entered residents'homes.Based on this,the paper explores the impact of digital inclusive finance on the investment of household financial assets in China.Empirical results show that the development of digital inclusive finance has a significant positive effect on household financial asset investment.Among them,digital inclusive finance is promoting the diversification of household investment through two chainbased intermediary paths of financial literacy,risk preference and income level,and household consumption expenditure.The research conclusions of this paper provide theoretical support for promoting the popularization of financial knowledge,stimulating consumer spending,optimizing Internet investment channels,and promoting the development of digital inclusive finance.
出处
《投资研究》
CSSCI
北大核心
2024年第1期118-140,共23页
Review of Investment Studies
基金
“广西高校人文社会科学重点研究基地”和“广西发展战略研究院”基金资助(课题编号:2022GDSIYB09)
关键词
数字普惠金融
家庭金融资产投资
链式多重中介效应
Digital inclusive finance
Household financial asset investment
Chain multiple intermediary effect
作者简介
莫亚琳,广西大学经济学院副教授,经济学博士;通讯作者:王淑婕,广西大学经济学院,金融硕士。
