我国居民杠杆率的影响因素及优化机制研究——基于普惠金融的视角

Influencing factors and optimization mechanism of household leverage ratio in China——from the perspective of inclusive finance

针对居民杠杆率的宏观影响因素,采用协整分析和向量误差修正模型对我国GDP增长率、基尼系数、老年人赡养比和居民杠杆率进行实证分析,得出我国居民杠杆率优化内涵,并提出普惠金融业务优化居民杠杆率的路径,即:加强征信体系建设,建立数字普惠金融教育的长效机制;加强针对老年客户群体的金融产品的开发,提升养老普惠金融的服务能力。

As for the macro factors influencing the leverage ratio of a country′s residents,China′s GDP growth rate,gini coefficient,elderly support ratio and household leverage ratio were co-integrated and vector error correction model was established,the connotation of the need to optimize the resident leverage ratio is obtained,and the path of optimizing household leverage ratio through inclusive finance business is put forward:to strengthen the development of credit system,establish long-term mechanism of digital inclusive financial education,and strengthen the development of financial products for elderly customer group,and improve endowment inclusive financial service ability.