摘要
随着农民家庭收入和资产的增加,投资意识的增强,以及农村金融机构的快速发展,农村家庭逐渐参与到金融资产投资中。文章利用2016年中国家庭追踪调查(CFPS)数据研究社会信任对农村家庭风险性金融资产投资的影响。结果显示:农村家庭以安全性金融资产投资为主,较少涉及风险性金融资产投资;社会信任对农村家庭是否进行风险性金融资产投资和持有比重有显著正向影响;一般群体的信任对农村家庭参与风险性金融资产投资有抑制作用,陌生群体的信任有推动作用;发达地区社会信任水平的提高对农村家庭进行风险性金融资产投资的积极作用大于欠发达地区;家庭收入、学历、网络获取信息的重要性对农村家庭风险性金融资产投资也有重要影响。根据研究结果,提出要加强金融知识教育,引导农村家庭金融投资;完善金融市场机制,提高农村家庭社会信任;增强金融服务功能,促进农村家庭财富增值;加大金融监管力度,拓宽农村家庭投资渠道等政策建议。
With the improvement of rural family economic conditions,the strengthening of financial management concepts and the rapid development of rural financial institutions,rural families gradually participate in the investment of financial assets.This paper makes an empirical study on the risky financial asset investment of rural families from the perspective of social trust by using the 2016 China Family Panel Studies(CFPS)data.The research results show that rural households mainly invest in safe financial assets,but seldom involve in risky financial assets.Social trust has a significant positive impact on whether rural families invest and hold risky financial assets.Trust of general groups inhibits rural families'participation in risky financial asset investment,while trust of unknown groups promotes rural families'participation in risky financial asset investment.The improvement of social trust in developed areas has more positive effects on the investment of risky financial assets in rural households than in less developed areas.The importance of family income,education background and network access to information also has an important impact on rural families'investment in risky financial assets.According to the results of the study,the paper is proposed to strengthen the education of financial knowledge,guide the financial investment of rural families,improve the financial market mechanism,improve the social trust of rural families,enhance the function of financial services,promote the value-added of rural families'wealth,strengthen the financial supervision and broaden the investment channels of rural families.
作者
邢大伟
蒋姣
XING Dawei;JIANG Jiao(Business School,Yangzhou University,Yangzhou 225125,Jiangsu,China)
出处
《铜仁学院学报》
2020年第2期99-111,共13页
Journal of Tongren University
基金
教育部人文社会科学研究青年基金项目(14YJC790143)。
作者简介
邢大伟(1974-),男,江苏新沂人,博士,副教授,硕士生导师,研究方向:农村金融;蒋姣(1995-),女,江苏泰州人,硕士研究生,研究方向:农村金融。
