张欢欢,熊学萍.农村居民金融素养对金融决策的影响路径与实证检验——基于山东省的调查[J].华中农业大学学报(社科),2018,(6):75-85
农村居民金融素养对金融决策的影响路径与实证检验——基于山东省的调查
The Effect Channel and Empirical Test of Rural Residents’ Financial Literacy on Financial Decision-making——Based on the Survey Data in Shandong Province
  
DOI:
中文关键词:农村居民  金融决策  客观金融素养  主观金融素养  中介效应  调节效应
英文关键词:rural residents  financial decision-making  objective financial literacy  subjective financial literacy  mediation effects  regulation effects
基金项目:教育部人文社会科学基金项目“农村居民金融素养及其对金融决策的影响:路径与实证检验”(17JYA790080)。
作者单位
张欢欢 华中农业大学 经济管理学院湖北 武汉 430070 
熊学萍 华中农业大学 经济管理学院湖北 武汉 430070 
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中文摘要:
      居民金融素养偏低会影响金融决策,降低其金融福祉。利用山东省调查数据,通过中介和调节效应检验农村居民客观和主观金融素养对其金融决策的影响路径,结果显示:客观金融素养对金融市场和保险市场参与、金融市场参与态度产生正的直接效应;主观金融素养对金融市场和保险市场参与产生负的直接效应,但对金融市场参与态度产生正的直接效应;主观金融素养在客观金融素养对金融市场和保险市场参与的影响中发挥不完全中介作用;客观金融素养对金融市场参与和金融市场参与态度的影响受主观金融素养的调节。
英文摘要:
      Residents’ low financial literacy will affect their financial decision-making,thus decreasing their financial well-being. Based on the survey data in Shangdong Province,this paper validates the influence of rural residents’ objective and subjective financial literacy on financial decision-making respectively through mediation and regulation effects. Results indicate that:objective financial literacy has positive effects on financial market participation,insurance market participation and financial market participation attitude; subjective financial literacy has negative effects on participation in both financial market and insurance market but positive effects on the financial market participation attitude; subjective financial literacy is an incomplete mediator when objective financial literacy affects financial market participation and insurance market participation; subjective financial literacy is a moderator when objective financial literacy affects financial market participation attitude and financial market participation attitude.
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