宗教信仰会影响家庭金融投资行为吗?

Does Religion Belief Influence Family Financial Invest Behavior?

宗教信仰是社会文化中的重要组成部分,影响人们的心理和行为,影响社会的文化氛围和制度环境。运用实证分析的方法,使用中国综合社会调查数据从微观角度研究了中国的宗教信仰行为与城镇家庭的金融风险资产投资决策之间的关系,研究结果表明具有宗教信仰的家庭对金融风险资产投资的表现更加积极,同时参加自己所属的宗教组织的活动频率越高,进行金融风险资产投资的可能性越大。最后比较了收入和受教育程度不同的家庭之间宗教信仰的作用差异,表明宗教信仰行为在高收入水平和高教育水平家庭中的影响渐减弱。

Religion is an important factor of social culture, which can affect human's psychology condition and behavior, also can influence social cultural atmosphere and system environment. This paper takes an empirical method to study the relationship between Chinese religion and urban household risk asset investment with the CGSS data. And the results show that households with religion will have a more positive attitude to invest financial risk asset, and the more frequently they join their religious activities, the more possibly they invest. Finally, we compare the differences among households with different revenue and different education level, and it concludes that religion will not have a significant effect on household financial risk investment.