青海省城乡家庭金融市场参与现状调查及其影响因素研究

Research on Status Survey and Factors Affecting Household Participation in Financial Market of Urban and Rural Areas in Qinghai Province

文章研究金融素养、金融可得性对家庭金融市场参与的影响,选取中国家庭金融调查CHFS数据中青海省的数据,通过构建PROBIT模型,研究青海省的城乡居民家庭金融素养和家庭金融可得性对家庭金融市场参与的不同影响,并为当地政府、相关家庭合理配置金融资产与提高金融市场参与度方面建言献策。

This paper studies the impact of financial literacy and financial availability on household financial market participation,and selects the data of Qinghai Province in the CHFS data of China Household Financial survey.By constructing PROBIT model,this paper studies the different effects of family financial literacy and family financial availability of urban and rural residents in Qinghai on family financial market participation,and provides suggestions for the local government and relevant families to reasonably allocate financial assets and improve financial market participation.