社会网络与台湾家庭正规金融市场参与

The Impact of Social Network on Taiwan Family Formal Financial Market Participation

本文运用2014年台湾地区家庭收支调查数据,采用Probit和Ivprobit模型,研究了社会网络对家庭正规金融市场参与的影响。研究发现,建立广泛和高质量的社会网络会促进家庭参与正规金融市场。分县市和分北部、中南部地区来看,社会网络的扩大对在台湾的县和中南部地区的家庭参与正规金融市场的边际影响更大。本文的策略含义在于政府应将区域差异性考虑在内,因地制宜采取相应的措施,有效发挥家庭社会网络的功能。

This paper makes a careful study of the influence of social network on the family formal financial market participation by using both Probit and Ivprobit models and the data from the 2014 Taiwan household income survey. The findings indicate that a broad and high quality social network will promote the family to participate in the formal financial market. Moreover,the expansion of social network has a greater marginal impact on the families involved in the market in Taiwan counties,northern and the south central areas. This paper holds that government should regional differences into account,take corresponding measures according to local conditions and give full play to the functions of family social network.