数字普惠金融、教育程度和家庭消费

IF 7.4 2区经济学 Q1 BUSINESS, FINANCE Finance Research Letters Pub Date : 2024-08-21 DOI:10.1016/j.frl.2024.105976

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引用次数: 0

摘要

本文选取2017年、2019年、2021年CHFS的调查数据作为样本，探讨数字普惠金融、受教育程度、家庭消费之间的关系，发现数字普惠金融的发展促进居民消费；居民受教育程度与家庭消费正相关；家庭居民杠杆率在数字普惠金融与家庭消费关系中起中介作用；数字普惠金融对家庭消费的影响在城乡居民之间存在差异。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Digital financial inclusion, educational attainment and household consumption

This paper selects the survey data of CHFS in 2017, 2019, and 2021 as a sample to explore the relationship between digital financial inclusion, educational attainment, and household consumption and finds that the development of digital financial inclusion promotes residents' consumption; the educational attainment of residents is positively correlated with household consumption; the leverage of household residents plays a mediating role in the relationship between digital financial inclusion and household consumption; and there is a difference in the impact of digital financial inclusion on household consumption differs between urban and rural residents.

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来源期刊

Finance Research Letters BUSINESS, FINANCE-

CiteScore

11.10

自引率

14.40%

发文量

863

期刊介绍： Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies. Papers are invited in the following areas: Actuarial studies Alternative investments Asset Pricing Bankruptcy and liquidation Banks and other Depository Institutions Behavioral and experimental finance Bibliometric and Scientometric studies of finance Capital budgeting and corporate investment Capital markets and accounting Capital structure and payout policy Commodities Contagion, crises and interdependence Corporate governance Credit and fixed income markets and instruments Derivatives Emerging markets Energy Finance and Energy Markets Financial Econometrics Financial History Financial intermediation and money markets Financial markets and marketplaces Financial Mathematics and Econophysics Financial Regulation and Law Forecasting Frontier market studies International Finance Market efficiency, event studies Mergers, acquisitions and the market for corporate control Micro Finance Institutions Microstructure Non-bank Financial Institutions Personal Finance Portfolio choice and investing Real estate finance and investing Risk SME, Family and Entrepreneurial Finance