金融知识对互联网金融参与重要吗

Is Financial Knowledge Important for Internet Financial Participation?

互联网金融发展至今,机遇与挑战并存,收益与风险同在,金融知识作为影响个体金融行为和金融决策的重要因素,是否会影响人们的互联网金融参与?哪类人更容易参与互联网金融市场?互联网金融参与的结果是盆满钵满还是竹篮打水?在互联网金融快速发展的背景下,对这些问题的回答至关重要。本文运用2017年中国家庭金融调查数据,实证检验了金融知识对互联网金融参与的影响。结果表明,金融知识对互联网金融参与有显著的促进作用。分组来看,在中青年、男性、中产阶级群体中,金融知识的影响更大;对于接受过高等教育或从事金融行业的群体,金融知识显著促进互联网金融参与。进一步研究发现,金融知识显著提高互联网理财参与深度,但对投资收益没有显著影响。因此,要降低互联网金融风险,促进互联网金融健康发展,需要更加关注市场微观主体,普及金融知识教育,推动投资者理性决策。

With the development of Internet finance,opportunities and challenges coexist,so do benefits and risks.As a vital factor affecting individual financial behaviors and decisions,will financial knowledge affect people s participation in Internet finance?Which are easier to take part in the Internet financial market?Do the participants in Internet finance make windfall profits or in vain?Against the background of rapid development of Internet finance,the answers to these questions are crucial.Based on the data of China Household Finance Survey(CHFS)in 2017,we empirically validate the influence of financial knowledge on Internet financial participation.The results show that the financial knowledge has a significant role in promoting Internet financial participation.In terms of groups,financial knowledge has a stronger impact on the young,middle-aged,male and middle-class groups.For those who have received higher education or engaged in the financial industry,financial knowledge significantly promotes the participation in Internet finance.Furthermore,we conclude that financial knowledge promotes participation in Internet financial management,but has no obvious influence on obtaining investment returns.Therefore,in order to reduce the risk of Internet finance and promote its healthy development,we should pay more attention to individual investors and popularize financial knowledge,so that investors will make rational decisions.