数字普惠金融对家庭金融资产选择的影响研究——以郴州市为例

Study on the Impact of Digital Inclusive Finance on Household Financial Assets Choices:Take Chenzhou City as an Example

以数字普惠金融为出发点,探讨数字普惠金融如何影响郴州市家庭进行金融资产的选择。研究根据北京大学数字普惠金融指数里郴州市相关内容展开分析,通过调查问卷获取数据来源,分析数字普惠金融对家庭储蓄、保险、互联网理财等金融资产的影响机理。最后,根据问卷调查数据,建立多元线性回归模型并运用SPSS软件实证分析了数字普惠金融对家庭改变储蓄、保险及互联网理财方式产生的影响。研究表明:数字普惠金融对家庭金融资产的选择具有促进作用;研究提出:提高金融机构服务水平,推出具有针对性的多样化数字普惠金融产品等政策建议。

Starting with the digital inclusive finance,the study explores how digital inclusive finance affects the choice of financial assets made by households in Chenzhou.The study is based on the contents of the digital inclusive finance index of Peking University relating to Chenzhou City,and uses a questionnaire to obtain data sources and analyse the mechanism of the impact of digital inclusive finance on household savings,insurance,internet finance and other financial assets.Finally,based on the questionnaire data,a multiple linear regression model was established and SPSS software was used to empirically analyse the impact of digital inclusive finance on households’changes in their savings,insurance and Internet financial management.The study shows that digital inclusive finance has promoted the households’choice of financial assets.The study proposes policy recommendations such as improving the service level of financial institutions and introducing targeted and diversified digital inclusive financial products.