中国石油大学学报（社会科学版）2024，Vol.40Issue(1)：101-111,11.DOI:10.13216/j.cnki.upcjess.2024.01.0013
金融素养对家庭金融参与的地区差异影响研究
Regional Difference in the Impact of Financial Literacy on Household Financial Participation:The Moderating Effect of Digital Inclusive Finance
摘要
Abstract
Based on the data of China Household Finance Survey and Digital Financial Inclusive Index,this paper explores the impact of the development of digital inclusive finance on the relationship between financial literacy and household financial participation(in-cluding participation breadth and depth),and its regional differences.The study found that the improvement of financial literacy can significantly promote household financial participation,and the development of digital inclusive finance has a positive moderating effect on the relationship between financial literacy and household financial participation.This result is still valid after using instrumental var-iables and a series of robustness tests.Further research found that for the"easily weak sensing areas"and"rigidly weak sensing are-a",the development of digital inclusive finance only positively moderates the relationship between financial literacy and the depth of household financial participation;For the"susceptible areas",the moderating effect consistent with the total sample.For the"insus-ceptible areas",the moderating effect is not significant.The moderating effect of the relationship between financial literacy and the depth of household financial participation shows a trend of"East is leading,and central and western regions are coordinating and pro-moting".关键词
金融素养/家庭金融参与/数字普惠金融/调节效应/地区差异性Key words
financial literacy/household financial participation/digital financial inclusion/regional difference/moderating effect分类
管理科学引用本文复制引用
霍江林,赵文瑞,褚夫志..金融素养对家庭金融参与的地区差异影响研究[J].中国石油大学学报（社会科学版）,2024,40(1):101-111,11.基金项目
国家社会科学基金项目(21BJL029) （21BJL029）
