不同信息渠道下城乡家庭金融市场参与及资产选择行为研究

发布时间：2018-06-02 06:33

本文选题：信息渠道 + 信息筛选　；参考：《财贸研究》2017年04期

【摘要】：从不同渠道获取和筛选信息的成本、效率和准确度是影响城乡家庭金融市场参与及资产选择的重要因素。基于信息获取及信息筛选的视角,剖析不同信息渠道对城乡家庭金融市场参与及资产选择行为的影响机理,并采用中国家庭金融调查(CHFS)2011年和2013年数据实证检验信息渠道在家庭金融资产配置中的重要作用。结果表明:不同渠道对城乡家庭的作用程度存在显著差异。对城镇家庭而言,无论是传统的信息渠道还是依托现代信息通讯技术的新渠道都能显著提高其金融市场参与度;而对于农村家庭来说,互联网等新渠道对提高其金融市场参与度和风险资产持有比例的作用更加显著。因此,应高度重视现阶段农村地区尤其是中西部农村地区的新型信息渠道建设。
[Abstract]:The cost, efficiency and accuracy of obtaining and selecting information from different channels are the important factors that affect the participation of urban and rural households in financial market and the choice of assets. Based on the perspective of information acquisition and information screening, this paper analyzes the influence mechanism of different information channels on the participation and asset selection behavior of urban and rural households in financial markets. The data of China Household Financial Survey (CHFS) in 2011 and 2013 are used to test the important role of information channels in the allocation of household financial assets. The results show that there are significant differences in the effect of different channels on urban and rural families. For urban households, both traditional information channels and new channels relying on modern information and communication technologies can significantly increase their participation in financial markets, while for rural households, New channels such as the Internet play a more significant role in increasing their participation in financial markets and their holdings of risky assets. Therefore, we should attach great importance to the construction of new information channels in rural areas, especially in central and western rural areas.
【作者单位】：南京农业大学金融学院;南京农业大学江苏农村金融发展研究中心;
【基金】：国家哲学社会科学基金重点项目“信息化趋势下普惠金融发展问题研究”(15AJY020)
【分类号】：F832.5

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