数字普惠、城乡差异和家庭金融参与

Digital Inclusion, Urban-Rural Differences and Family Financial Participation

数字技术渗透在居民生活之中,影响着家庭的行为和经济决策。基于现有研究成果和技术接受理论模型,本文探讨数字技术对金融参与的影响机制,运用2016年中国家庭动态跟踪调查(CFPS)的微观统计数据,对城乡家庭的金融参与进行实证研究。Logit模型结果表明:数字技术有效提升了家庭购买金融产品的概率和金额,如果城乡同时实现数字普惠,农村家庭购买金融产品的概率远高于城镇家庭,但由于资产、收入等因素的限制,其购买金融产品的金额相对较低。

Digital technology permeates the lives of residents and affects family behavior.Based on the existing research,using technology acceptance model,this paper focuses on how digital technology impact on family's financial participation.This paper uses Chinese Family Panel Studies (CFPS) in 2016 to conduct an empirical study on financial participation of urban and rural households.The results of the logistic binary choice model show that digital technology effectively increases the probability and amount of financial asset purchased by households.Under same level of digital inclusiveness,the probability of rural households purchasing financial products is much higher than that of urban households,but due to the limitations of assets and income,the amount is relatively low in rural area.