农村居民金融素养对家庭金融资产配置的影响——基于CHFS微观数据的实证研究

The Impact of Rural Residents’Financial Literacy on Household Financial Asset Allocation——An Empirical Study Based on CHFS Microdata

本文以农村地区为研究视角,使用2017年CHFS微观数据,实证研究农村居民金融素养对家庭金融资产配置的影响。结果表明,金融素养对风险资产持有和风险资产占比的影响均显著为正。所接受教育程度越高、家庭收入越高、自营工商业以及地区经济越发达的农村居民,更有可能持有风险资产以及提高风险资产比重。据此,笔者提出了有关政策建议。

This article takes rural areas as a research perspective and uses 2017 CHFS micro data to to regression analyze the impact of rural residents’financial literacy on household risk asset holdings and the proportion of risk assets.The empirical results show that the influence of financial literacy on the holding of risky assets and the proportion of risky assets is significantly positive.Rural residents with higher education level,higher family income,self-employed industry and commerce,and more developed regional economy are more likely to hold risky assets and increase the proportion of risky assets.Based on this,it puts forward countermeasures and suggestions.