金融素养与家庭借贷行为研究——来自中国城市家庭消费金融调查的证据

Research on Financial Literacy and Household Loan Behavior:Evidence from Financial Surveys in Chinese Urban Household Consumption

运用2012年中国城市居民消费金融调研数据,从借贷素养、投资素养和风险素养三个层面探讨了金融素养对家庭借贷行为的影响,实证结果表明:家庭借贷素养和投资素养促进城市家庭的正规金融借贷,对非正规金融借贷的影响不显著,但投资素养仅对银行无抵押贷款存在正面作用,同时风险素养的提高会阻碍家庭的银行抵押贷款、高利贷和小额贷款行为。此外,金融素养的提升更有利于省会城市家庭的正规金融借贷行为。

Based on the survey data of consumer finance in urban China in 2012,this paper discusses the influence of financial literacy on household loan behavior from three aspects of loan literacy,investment literacy and risk literacy.The empirical results show that loan literacy and investment literacy can significantly promote formal loan,and have no significant impact on informal loan.Investment literacy only has positive effects on bank non mortgage loans,and improvement of risk literacy will hinder family mortgage loans,usury and small loans.Besides,promotion of financial literacy is more conducive to the family's formal financial loan behavior which is in the provincial capital city.