摘要
本文构建金融素养度量体系,运用2010-2011年中国消费金融现状及投资者教育调查数据,对个人金融素养的形成以及已婚人群中配偶对个人金融素养的影响进行研究。研究结果表明配偶的学历和风险偏好直接显著影响个人金融素养,配偶学历越高、风险承受能力越高,个人金融素养越高。多重中介效应分析表明理财建议和家庭分工在配偶学历和个人金融素养之间存在多重遮掩效应。家庭分工在配偶风险偏好与个人金融素养之间也存在遮掩效应。而配偶计算能力完全通过家庭分工间接影响个人金融素养,存在完全中介效应。同时,个人金融素养、配偶的学历、风险偏好和计算能力显著影响家庭收入和个人收入。本文研究了配偶对居民金融素养形成的影响因素和影响路径,能够为有关部门制定家庭金融素养提升的政策提供有益借鉴。
This paper constructs a measurement system of financial literacy,and studies the formation of personal financial literacy and the influence of spouse on personal financial literacy by using the data of 2010-2011 China’s consumer finance status and investor education survey.The results show that spouse’s education and risk appetite have a direct and significant impact on personal financial literacy.The higher spouse’s education level and financial risk appetite will lead to the higher personal financial literacy.Multiple intermediary effect analysis shows that financial advice and household division of labor have the multiple suppressing effects between spouse education and personal financial literacy.Household division of labor also has the suppressing effects between spouse’s risk appetite and personal financial literacy.However,spouse’s computing ability indirectly and significantly affects personal financial literacy through household division of labor,which has the completely intermediary effects.At the same time,personal financial literacy,spouse’s education,risk appetite and computing ability significantly affect household income and personal income.This paper studies the influencing factors and paths of spouse’s influence on the formation of residents’financial literacy,which can provide useful reference for relevant departments to formulate policies to improve household financial literacy.
作者
何昇轩
HE Sheng-xuan(Institute of Sociology,Chinese Academy of Social Sciences,Beijing 100132,China)
出处
《中国软科学》
CSSCI
CSCD
北大核心
2020年第5期63-71,共9页
China Soft Science
关键词
金融素养
配偶
个人收入
家庭收入
遮掩效应
financial literacy
spouse
personal income
household income
suppression effect
