财富不平等会抑制金融素养对家庭借贷行为的作用效果吗——基于CHFS数据的经验分析

发布时间：2018-01-18 11:06

本文关键词：财富不平等会抑制金融素养对家庭借贷行为的作用效果吗——基于CHFS数据的经验分析　出处：《经济理论与经济管理》2017年09期 　论文类型：期刊论文

【摘要】：本文基于2013年中国家庭金融调查(CHFS)数据,选用工具变量法,考察了金融素养对城乡家庭借贷行为影响的差异性,并验证了财富不平等扩大会抑制金融素养对家庭借贷行为的影响。研究发现:(1)金融素养是影响家庭借贷行为的重要因素。户主金融素养水平的改善显著提高了家庭发生借贷的概率与家庭借贷规模。(2)金融素养对城乡家庭借贷行为的影响存在明显差异,金融素养的提高对信贷约束较为严重的农村家庭借贷行为的促进作用更大。(3)财富不平等对家庭借贷行为存在明显的抑制作用,财富不平等的扩大减少了家庭借贷需求,降低了家庭发生借贷的概率和家庭负债规模。(4)随着家庭财富不平等程度的扩大,金融素养对家庭借贷行为的促进作用受到抑制。基于以上结论,政府应该大力开展消费者金融素养教育,注重家庭收入分配合理性,从而推动我国消费金融市场的健康发展。
[Abstract]:Based on the CHFS2013 data of China Household Finance Survey, this paper uses the instrumental variable method to investigate the difference of the financial literacy impact on the lending behavior of urban and rural households. It also proves that the widening of wealth inequality inhibits the influence of financial literacy on household lending behavior. Financial literacy is an important factor affecting household lending behavior. The improvement of financial literacy level of household heads has significantly increased the probability of household borrowing and the scale of household borrowing. There are significant differences in the influence of financial literacy on the lending behavior of urban and rural households. The improvement of financial literacy has a greater role in promoting the lending behavior of rural households, where credit constraints are more serious. (3) Wealth inequality has a significant inhibitory effect on household lending behavior. The increase of wealth inequality reduces the demand for household borrowing, reduces the probability of household borrowing and the scale of household debt.) with the increase of household wealth inequality. Based on the above conclusion, the government should vigorously carry out consumer financial literacy education and pay attention to the rationality of household income distribution. In order to promote the healthy development of China's consumer financial market.
【作者单位】：湘潭大学商学院;
【基金】：国家社会科学基金项目(14BJL029)的资助
【分类号】：F126;F832.4
【正文快照】： *伍再华、叶菁菁、郭新华,湘潭大学商学院,邮政编码:411105,电子信箱:wuzaihua629@126.com。本文得到(1)中国人民银行金融消费权益保护局于2013年7月首次针对我国消费者金融素养情况进行全国性的调查。调查发现,中国消费者金融知识整体水平有待提高,且消费者金融知识水平城乡

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