目录
摘 要 4
ABSTRACT 5
引言
1.1研究背景与研究意义 8
1.1.1研究背景 8
1.1.2理论意义 8
1.1.3现实意义 9
第二章 文献综述 10
2.1国外相关研究 10
2.2国内相关研究 11
2.3文献评述 12
第三章 相关概念及理论基础 12
3.1相关概念 12
3.1.1普惠金融 12
3.1.2数字普惠金融 13
3.2理论基础 13
3.2.1居民投资观念 13
第四章 数据来源及描述性分析 13
4.1数据来源 13
4.2变量定义与说明 15
4.3模型设定 16
第五章 实证结果与描述性分析 17
第六章 研究结论与政策建议 21
6.1结论 21
6.2政策建议 21
6.2.1降低投资理财风险 22
6.2.2加快基础设施建设跟人员教育工作 22
6.2.3立足传统金融基础之上发展数字普惠金融 22
参考文献 23
致 谢 25
数字普惠金融对居民风险性投资影响分析
摘 要
在当今时代，数据分析能力很强的大数据技术与灵活多变的互联网技术高速发展的背景下，我国居民的投资观念也开始发生了改变，特别是非常先进的云计算技术出现以后，这些先进的新型技术与传统金融融合以后，开创出了新的模式，居民的消费观念跟投资观念都发生了巨大的变化，跟以往的传统的“民以食为天”的理念大不相同，居民的投资观念变得逐渐趋于多元化。
为了充分发挥数字普惠金融对于居民投资的促进作用，本文就数字普惠金融对居民风险性投资的影响进行了分析，并具有以下特点：首先，在研究对象选择上，本文选择2017年中国家庭追踪调查（CFPS）的数据调查，数据具有全国及省级代表性和微观性，从基层角度来研究分析对居民风险性投资的影响，使得数据更加扎实靠谱。其次，本文在研究方法上选用了在最小二 *51今日免费论文网|www.51jrft.com +Q: ^351916072# 
乘（OLS）估计的基础上可行的广义最小二乘估计量（FGLS）
通过实证分析，本文得出以下结论：数字普惠金融发展程度会对居民的风险投资倾向有正面影响，居民风险性投资受到数字普惠金融显著的正面作用，并且对于各个地区的居民风险性投资都有显著的积极作用。
Analysis of the impact of digital Inclusive Finance on Residents investment concept
ABSTRACT
In todays era, under the background of the rapid development of big data technology with strong data analysis ability and flexible Internet technology, the investment concept of Chinese residents has also begun to change, especially after the emergence of very advanced cloud computing technology, these advanced new technologies and the integration of traditional finance have created a new model, The consumption concept and investment concept of residents have undergone tremendous changes, which is quite different from the traditional concept of "food is the most important thing for the people" in the past. The investment concept of residents has gradually become diversified.
In order to give full play to the role of digital Inclusive Finance in promoting residents investment concept, this paper analyzes the impact of digital Inclusive Finance on Residents investment concept, and has the following characteristics: firstly, in terms of research object selection, this paper selects the data from China Household tracking survey (CFPS) in 2017, and the data are representative and microscopic at the national and provincial levels, From the perspective of grassroots to study and analyze the impact on Residents investment concept, so as to make the data more solid and reliable. Secondly, the generalized least squares estimator (FGLS), which is feasible on the basis of the least squares (OLS) estimation, is selected as the research method

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