非正式制度对普惠金融使用意愿的影响研究——以差序格局下儒家文化为例

A Study on the Impact of Informal Institutions on the Willingness to Use Inclusive Finance—Taking Confucianism in a Differential Mode of Association as an Example

为了探究中国传统社会“差序格局”下儒家文化如何对个体普惠金融的使用意愿产生影响,基于中国综合社会调查数据(CGSS)研究发现,儒家文化根植于家庭的“孝文化”使个人对普惠金融的使用意愿产生抑制作用,其作用机制为受儒家文化影响较深的家庭通常具有更强抵御金融风险的能力,从而弱化了普惠金融等市场机制的作用,使普惠金融的推广受阻。在制度设计上,应充分发挥儒家文化在制度均衡方面的积极作用,重视普惠金融在养老保障方面的优势,凸显普惠金融应有的社会责任。

In order to investigate how Confucianism has influenced the development of inclusive finance under the“differential mode of association”of traditional Chinese society,a study based on the China General Social Survey(CGSS)found that Confucianism,through its“filial piety culture”rooted in the family,has had a dampening effect on the development of inclusive finance.The mechanism is that families influenced by Confucianism are usually more resilient to financial risks,thus weakening the role of market mechanisms such as inclusive finance and hindering the promotion of inclusive finance.In terms of institutional design,the positive role of Confucianism in institutional equilibrium should be given full play,and the advantages of inclusive finance in terms of pension protection should be emphasized,highlighting the social responsibility that inclusive finance should have.