摘要
论文主要分析了家庭的开放性人格特征对金融市场参与的影响,采用了"大五"人格特征维度下的开放性维度衡量开放性人格特征,基于中国家庭追踪调查(CFPS)数据,发现家庭的价值观越开放,家庭参与金融市场投资的可能性越高;收入越高,开放性人格特征对家庭金融市场参与的影响就越大。此外,开放性人格特征的边际效应从东部到西部递减,东北地区例外。论文还发现了从开放性人格特征到家庭金融参与的一条重要影响路径——课外阅读。最后指出,政府要重视开放性人格在金融市场投资中的作用,培养具有开放性人格的青年,为解决家庭金融市场参与率低、中国家庭储蓄率居高不下等问题提供一个可行的思路。
This paper mainly analyzes the influence of a family’s openness to experience on financial market participation,and measures the open personality characteristics by using the open dimension under the"Big Five"personality dimension.Based on the data of China Family Panel Studies(CFPS),we found that the more open the family’s values are,the more likely the family is to participate in financial market investment;the higher income,the greater impact of open personality on family financial market participation.Besides,the marginal effect of open personality decreases from the east to the west,except Northeast China.This paper also examines an important path from open personality to household financial participation-extracurricular reading.Finally,this paper pointed out that the government should pay attention to the role of open personality in financial market investment,cultivate young people with an openness to experience,and provide a possible way to solve the puzzle of limited participation of high-income groups and the high household savings rate in China.
作者
崔顺伟
王婷婷
CUI Shun-wei;WANG Ting-ting
出处
《农村金融研究》
2021年第7期53-62,共10页
Rural Finance Research
关键词
开放性人格特征
家庭金融参与
中介效应
Open Personality Characteristics
Family Financial Participation
Mediating Effect
