發(fā)布時(shí)間：2018-06-02 06:33

  本文選題：信息渠道 + 信息篩選��； 參考：《財(cái)貿(mào)研究》2017年04期

【摘要】：從不同渠道獲取和篩選信息的成本、效率和準(zhǔn)確度是影響城鄉(xiāng)家庭金融市場參與及資產(chǎn)選擇的重要因素�；谛畔@取及信息篩選的視角,剖析不同信息渠道對城鄉(xiāng)家庭金融市場參與及資產(chǎn)選擇行為的影響機(jī)理,并采用中國家庭金融調(diào)查(CHFS)2011年和2013年數(shù)據(jù)實(shí)證檢驗(yàn)信息渠道在家庭金融資產(chǎn)配置中的重要作用。結(jié)果表明:不同渠道對城鄉(xiāng)家庭的作用程度存在顯著差異。對城鎮(zhèn)家庭而言,無論是傳統(tǒng)的信息渠道還是依托現(xiàn)代信息通訊技術(shù)的新渠道都能顯著提高其金融市場參與度;而對于農(nóng)村家庭來說,互聯(lián)網(wǎng)等新渠道對提高其金融市場參與度和風(fēng)險(xiǎn)資產(chǎn)持有比例的作用更加顯著。因此,應(yīng)高度重視現(xiàn)階段農(nóng)村地區(qū)尤其是中西部農(nóng)村地區(qū)的新型信息渠道建設(shè)。
[Abstract]:The cost, efficiency and accuracy of obtaining and selecting information from different channels are the important factors that affect the participation of urban and rural households in financial market and the choice of assets. Based on the perspective of information acquisition and information screening, this paper analyzes the influence mechanism of different information channels on the participation and asset selection behavior of urban and rural households in financial markets. The data of China Household Financial Survey (CHFS) in 2011 and 2013 are used to test the important role of information channels in the allocation of household financial assets. The results show that there are significant differences in the effect of different channels on urban and rural families. For urban households, both traditional information channels and new channels relying on modern information and communication technologies can significantly increase their participation in financial markets, while for rural households, New channels such as the Internet play a more significant role in increasing their participation in financial markets and their holdings of risky assets. Therefore, we should attach great importance to the construction of new information channels in rural areas, especially in central and western rural areas.
【作者單位】： 南京農(nóng)業(yè)大學(xué)金融學(xué)院;南京農(nóng)業(yè)大學(xué)江蘇農(nóng)村金融發(fā)展研究中心;
【基金】：國家哲學(xué)社會(huì)科學(xué)基金重點(diǎn)項(xiàng)目“信息化趨勢下普惠金融發(fā)展問題研究”(15AJY020)
【分類號(hào)】：F832.5

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本文編號(hào)：1967770