期刊论文

Financial Literacy and Household Risk Financial Asset Allocation—Empirical Research Based on CHFS data

中文

绿色科技

1674-9944

2023

25

09

270-275

10.3969/j.issn.1674-9944.2023.09.053

本校为第一机构

利用2019年中国家庭金融调查数据,对核心解释变量金融素养采用因子分析法进行构建,并运用Probit模型和Tobit模型研究了家庭居民金融素养对家庭风险金融资产配置的影响。结果表明:金融素养会显著提升居民购置股票、基金、...展开更多 利用2019年中国家庭金融调查数据,对核心解释变量金融素养采用因子分析法进行构建,并运用Probit模型和Tobit模型研究了家庭居民金融素养对家庭风险金融资产配置的影响。结果表明:金融素养会显著提升居民购置股票、基金、理财等产品的可能性,同时也会提升居民在家庭金融资产中配置风险金融资产的比例。这一发现说明普及金融知识对家庭资产配置的合理性有促进作用,并...

Based on the data of China Household Finance Survey(CHFS)in 2019,this paper uses factor analysis to construct financial literacy indicators,and uses Probit and Tobit models to empirically analyze the impact of residents'financial literacy on household risk asset all...MORE Based on the data of China Household Finance Survey(CHFS)in 2019,this paper uses factor analysis to construct financial literacy indicators,and uses Probit and Tobit models to empirically analyze the impact of residents'financial literacy on household risk asset allocation.Th...