卢亚娟1,2,殷君瑶2.户主受教育程度对家庭风险性金融资产选择的影响研究[J].南京审计学院学报,2021,(3):
户主受教育程度对家庭风险性金融资产选择的影响研究
  
DOI:
中文关键词:  受教育程度  风险性金融资产  CHFS  中介效应  调节效应  金融素养  家庭收入  资产配置
英文关键词:education level  risky financial assets  China Household Finance Survey  mediating effect  moderating effect  financial quality  household income  allocation of financial assets
基金项目:国家社会科学基金后期资助项目(19FJYB014);江苏省高校优势学科三期——应用经济学(苏政办发〔2018〕87号);江苏省研究生科研创新计划(KYCX20_1640)
作者单位
卢亚娟1,2,殷君瑶2 1.徐州医科大学江苏 徐州 2210042.南京审计大学 金融学院江苏 南京 211815 
摘要点击次数: 70
全文下载次数: 88
中文摘要:
      利用中国家庭金融调查数据(CHFS),通过Probit和Tobit模型解释户主受教育程度对风险性金融资产选择的影响,并对内在传导机制进行中介效应、调节效应分析。结果显示:户主的受教育水平对风险性金融资产的参与度和持有比例有积极影响,地区、城乡间影响差异明显,风险态度和家庭收入对户主受教育程度影响金融资产选择存在中介和调节效应。研究结论对进一步优化家庭金融资产配置有一定启示意义。
英文摘要:
      Based on the data of China Household Finance Survey (CHFS), this paper uses Probit and Tobit models to explain the impact of education level of the head of household on the selection of risky financial assets, and analyzes the mediating effect and moderating effect of internal transmission mechanism. The results show that the education level of the head of household has a positive impact on the participation and holding proportion of risky financial assets, and such impact varies from regions to urban and rural areas. In addition, risk attitude and family income have an intermediary and moderating effect on the educational level of the head of household. The findings yielded in this study may have implications for further optimizing the allocation of household financial assets.
查看全文  下载PDF阅读器
关闭