金融知识能助推农村居民家庭参与互联网金融吗?——基于2015年中国家庭金融调查数据分析

Can Financial Knowledge Help Rural Households Participate in Internet Finance?—Based on the Data Analysis of China's Household Finance Survey in 2015

本文基于2015年中国家庭金融调查(CHFS)数据,运用Probit模型和工具变量分析法考察了金融知识对农村居民家庭互联网金融参与行为的影响。通过理论分析和实证检验发现,金融知识对农村居民家庭参与互联网金融具有显著的促进作用,但是不同年龄组之间存在异质性。其中,青年组的互联网融资行为和中年组的互联网投资行为受金融知识影响最为显著,而老年组的互联网投融资行为均未受金融知识的显著影响。为此,应加强对农村地区金融知识的普及、加大互联网金融产品创新力度、筑牢互联网金融风险防线,以为农村居民家庭更为理性地参与互联网金融及互联网金融更好地服务于农村经济提供保障。

Based on the data of 2015 China Household Finance Survey(CHFS),this paper employs Probit model and instrumental variable analysis to investigate the impact of financial knowledge on rural households'Internet financial participation behavior.Through theoretical analysis and empirical test,it is found that financial knowledge can significantly promote the participation of rural households in Internet finance,however,heterogeneity exists between different age groups.Among them,the Internet financing behavior of the youth group and the Internet investment behavior of the middle-aged group were most significantly affected by financial knowledge,while the Internet investment and financing behavior of the elderly group was not significantly affected by financial knowledge.Therefore,it is of great necessity to strengthen financial literacy in rural areas,step up the innovation in Internet financial products,and strengthen the defense line of Internet financial risks to ensure that rural households can participate in Internet finance more rationally and which,in turn,can better serve the rural economy.