| 摘要: |
| 基于我国家庭金融调查数据与数字普惠金融指数,探究数字普惠金融的发展对金融素养与家庭金融参与关系的影响及其地区差异性。研究发现,金融素养的提高能显著促进家庭金融参与,数字普惠金融的发展可正向调节金融素养与家庭金融参与的关系,这一结果在增加工具变量和进行稳健性检验后依然成立。进一步研究发现,在“硬弱感地区”和“软弱感地区”,数字普惠金融的发展仅正向调节金融素养与家庭金融参与深度的关系；在“易感地区”,调节效应与总样本一致；在“无感地区”,调节效应不显著；金融素养与家庭金融参与深度的调节效应呈现“东部引领,中西部协调促进”的态势。 |
| 关键词: 金融素养 家庭金融参与 数字普惠金融 调节效应 地区差异性 |
| DOI：10.13216/j.cnki.upcjess.2024.01.0013 |
| 分类号:F832.5 |
| 基金项目:国家社会科学基金项目(21BJL029) |
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| Regional Difference in the Impact of Financial Literacy on Household Financial Participation:The Moderating Effect of Digital Inclusive Finance |
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HUO Jianglin1, ZHAO Wenrui1, CHU Fuzhi2
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(1.School of Economics and Management, China University of Petroleum (East China), Qingdao 266580, Shandong, China;2.Shengli Offshore Petroleum Engineering Technology Inspection Co. Ltd, SINOPEC,Dongying 257100, Shandong, China)
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| Abstract: |
| Based on the data of China Household Finance Survey and Digital Financial Inclusive Index, this paper explores the impact of the development of digital inclusive finance on the relationship between financial literacy and household financial participation (including participation breadth and depth), and its regional differences. The study found that the improvement of financial literacy can significantly promote household financial participation, and the development of digital inclusive finance has a positive moderating effect on the relationship between financial literacy and household financial participation. This result is still valid after using instrumental variables and a series of robustness tests. Further research found that for the "easily weak sensing areas" and "rigidly weak sensing area", the development of digital inclusive finance only positively moderates the relationship between financial literacy and the depth of household financial participation; For the "susceptible areas", the moderating effect consistent with the total sample. For the "insusceptible areas", the moderating effect is not significant. The moderating effect of the relationship between financial literacy and the depth of household financial participation shows a trend of "East is leading, and central and western regions are coordinating and promoting". |
| Key words: financial literacy household financial participation digital financial inclusion regional difference moderating effect |
