摘要
本文通过一个包含金融活动时间,并内生金融素养积累的动态一般均衡模型探讨了数字金融对家庭金融素养的影响及其机制。随后,本文利用2019年中国家庭金融调查(CHFS)数据,以数字金融参与作为解释变量实证检验了理论假说。本文研究表明,数字金融参与通过促进家庭参与金融活动进行更多的干中学提高其金融素养水平,且该促进作用在年轻和年老户主、高学历户主、高收入水平和高资产水平的家庭以及城市家庭中更强。
This paper explores the impact and mechanism of digital finance on household financial literacy through a dynamic general equilibrium model with the time of financial activities and endogenous financial literacy accumulation.Then,this paper employs the data of the 2019 China Household Finance Survey(CHFS)and uses digital finance participation as an explanatory variable to empirically test the theoretical hypothesis.The results shows that digital finance participation improves the financial literacy level of households by promoting more participation in financial activities,and the promotion effect is stronger in young and old heads of households,heads of highly educated households,households with high income and high asset levels,and urban households.
作者
何尧
张璟
刘晓辉
He Yao;Zhang Jing;Liu Xiaohui
出处
《投资研究》
CSSCI
北大核心
2024年第11期39-64,共26页
Review of Investment Studies
基金
2023年度国家社会科学基金重大项目“金融业制度型开放助推构建新发展格局的路径研究”(23&ZD059)的资助。
关键词
数字金融
数字金融参与
干中学
金融素养
Digital Finance
Digital Finance Participation
Learning by Doing
Financial Literacy
