金融素养对内蒙古家庭金融资产配置的影响研究--基于CHFS498户家庭调研数据的实证分析

Research on the Influence of Financial Literacy on the Allocation of Family Financial Assets in Inner Mongolia--Empirical analysis based on the survey data of CHFS 498 families

金融市场的完善与发展对消费者提出了更高的金融素养要求。家庭金融资产的多少、如何配置以及如何有效配置不仅影响家庭,也会影响整个金融业的发展。基于2017年中国家庭金融调查(CHFS)数据,本文运用Probit模型和Tobit模型分析了金融素养对家庭金融资产配置的影响。结果表明在内蒙古地区,居民家庭的金融素养整体较低,金融资产配置也较为局限;金融素养对家庭金融资产配置有正向影响,金融素养水平越高,家庭拥有的金融资产类型就越多。

The improvement and development of financial market put forward higher financial literacy requirements to consumers.The amount of family financial assets,how to allocate and how to effectively allocate not only affect the family,but also affect the development of the whole financial industry.Based on the data of China Household Finance Survey(CHFS)in 2017,this paper uses Probit model and Tobit model to analyze the impact of financial literacy on household financial asset allocation.The results show that in Inner Mongolia,the financial literacy of households is low as a whole,and the allocation of financial assets is limited;Financial literacy has a positive impact on family financial asset allocation.The higher the level of financial literacy,the more types of financial assets the family has.