新疆财经

新疆财经 ›› 2020,Issue (3): 29-39.doi: 10.16716/j.cnki.65-1030/f.2020.03.003

• 经济经纬 • 上一篇    下一篇

金融知识能助推农村居民家庭参与互联网金融吗?——基于2015年中国家庭金融调查数据分析

王钢1,2, 张恬3, 石奇4   

  1. 1.南京财经大学 粮食经济研究院,江苏 南京 210023;
    2.浙江工业职业技术学院 财经学院,浙江 绍兴 312000;
    3.绍兴市社会科学院 经济发展研究室,浙江 绍兴 312000;
    4.南京财经大学 经济学院,江苏 南京 210023
  • 收稿日期:2020-04-14 出版日期:2020-06-25 发布日期:2020-10-23
  • 作者简介:王钢(1986--),男,讲师,博士研究生,研究方向为农村金融粮食经济;张恬(1990--),女,助理研究员，研究方向为金融与区域经济发展;石奇(1966- -), 男,教授,博士生导师,研究方向为产业政策理论与实践。
  • 基金资助:
    国家社会科学基金重大项目“创新引领发展的机制与对策研究"( 18ZDA102) ;绍兴市哲学社会科学研究“十三五”规划2020年度重点项目“高质量发展背景下数字经济对区域创新能力的作用评估及其提升策略研究一以绍兴市 为例"(135513)

Can Financial Knowledge Help Rural Households Participate in Internet Finance?—Based on the Data Analysis of China's Household Finance Survey in 2015

Wang Gang1,2, Zhang Tian3, Shi Qi1   

  1. 1. Nanjing University of Finance and Economics,Nanjing 210023,China;
    2. Zhejiang Industry Polytechnic College,Shaoxing 312000,China;
    3. Shaoxing Academy of Social Sciences,Shaoxing 312000,China
  • Received:2020-04-14 Online:2020-06-25 Published:2020-10-23

PDF

摘要： 本文基于2015年中国家庭金融调查（CHFS）数据,运用Probit模型和工具变量分析法考察了金融知识对农村居民家庭互联网金融参与行为的影响。通过理论分析和实证检验发现,金融知识对农村居民家庭参与互联网金融具有显著的促进作用,但是不同年龄组之间存在异质性。其中,青年组的互联网融资行为和中年组的互联网投资行为受金融知识影响最为显著,而老年组的互联网投融资行为均未受金融知识的显著影响。为此,应加强对农村地区金融知识的普及、加大互联网金融产品创新力度、筑牢互联网金融风险防线,以为农村居民家庭更为理性地参与互联网金融及互联网金融更好地服务于农村经济提供保障。

关键词: 金融知识, 农村居民家庭, 互联网金融, 互联网投融资, 普惠金融, 金融风险, 金融产品创新, 农村金融改革

Abstract: Based on the data of 2015 China Household Finance Survey （CHFS）, this paper employs Probit model and instrumental variable analysis to investigate the impact of financial knowledge on rural households' Internet financial participation behavior. Through theoretical analysis and empirical test, it is found that financial knowledge can significantly promote the participation of rural households in Internet finance, however, heterogeneity exists between different age groups. Among them, the Internet financing behavior of the youth group and the Internet investment behavior of the middle-aged group were most significantly affected by financial knowledge, while the Internet investment and financing behavior of the elderly group was not significantly affected by financial knowledge. Therefore, it is of great necessity to strengthen financial literacy in rural areas, step up the innovation in Internet financial products, and strengthen the defense line of Internet financial risks to ensure that rural households can participate in Internet finance more rationally and which, in turn, can better serve the rural economy.

Key words: Financial Knowledge, Rural Households, Internet Finance, Internet Investment and Financing, Inclusive Finance, Financial Risk, Financial Product Innovation, Rural Financial Reform

中图分类号: