目录
摘要 4
ABSTRACT 5
引言
第二章 文献综述与研究假设 7
2.1文献综述 7
2.2研究假设 8
第三章 数据来源、变量定义与模型设定 10
3.1数据来源 10
3.2变量定义 10
3.2.1被解释变量 10
3.2.2核心解释变量 11
3.2.3控制变量 11
3.3模型设定 12
3.3.1基础回归模型 12
3.3.2内生性讨论 13
第四章 实证结果与分析 14
4.1数字普惠金融与家庭风险金融市场参与 14
4.2数字普惠金融与家庭风险金融资产配置 16
4.3数字普惠金融对家庭风险金融资产配置的影响机制分析 17
第五章 稳健性检验 20
第六章 研究结论与政策建议 22
参考文献 23
致 谢 25
数字普惠金融对家庭金融资产配置的影响
摘 要
合理的家庭金融资产配置不仅有助于家庭实现财富保值和增值，还有助于促进国家的经济增长。而数字普惠金融作为以互联网为依托的创新金融模式，可以提升家庭的金融教育水平，从而引导家庭优化资产配置。据此，本文使用中国家庭金融调查（CHFS）数据和北京大学数字普惠金融指数进行实证分析，选取合适的工具变量，深入研究数字普惠金融对家庭金融资产配置的影响，发现数字普惠金融的发展水平可以显著提升家庭对风险金融市场的参与度。在此基础上进一步研究，发现数字普惠金融对家庭参与风险金融市场的深度和广度也具有显著正向影响，即在数字普惠金融发展水平越高的地区，家庭所持风险金融资产占总金融资产比例越高，且所持风险金融资产种类越丰富，更具多样性。而家庭金融素养在其中均起着中介作用。研究结论说明了数字普惠金融发展可以通过提高家庭金融素养以促进家庭参与风险金融市场，证明了金融素养对家庭投资决策的重要影响，为国家金融教育战略的实施提供了经验证据。
THE IMPACT OF DIGITAL FINANCIAL INCLUSION ON HOUS *51今日免费论文网|www.51jrft.com +Q: *351916072* 
EHOLD FINANCIAL ASSET ALLOCATION
ABSTRACT
A reasonable allocation of family financial assets not only helps families achieve wealth preservation and appreciation, but also helps promote the countrys economic growth. And digital inclusive finance, as an innovative financial model based on the Internet, can enhance families financial education and thus guide them to optimize their asset allocation. Accordingly, this paper conducts an empirical analysis using the China Household Financial Survey (CHFS) data and Peking University Digital Inclusive Finance Index to select appropriate instrumental variables to study in depth the impact of digital inclusive finance on household financial asset allocation, and finds that the level of development of digital inclusive finance can significantly increase household participation in risky financial markets. On the basis of this further study, it is found that digital inclusive finance also has a significant positive impact on the depth and breadth of household participation in the risky financial market, i.e., the higher the level of digital inclusive finance development, the higher the proportion of risky financial assets held by households to total financial assets, and the richer and more diverse the types of risky financial assets held. And household financial literacy plays a mediating role in all of them. The findings illustrate that digital financial inclusion development can promote household participation in risky financial markets by improving household financial literacy, demonstrate the important influence of financial literacy on household investment decisions, and provide empirical evidence for the implementation of national financial education strategies.

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