本文選題：財(cái)務(wù)舵主　切入點(diǎn)：個(gè)人特征　出處：《金融經(jīng)濟(jì)學(xué)研究》2017年04期 　論文類型：期刊論文

【摘要】：基于離散選擇模型中的Logit、Ologit和Tobit模型,利用中國(guó)家庭追蹤調(diào)查(CFPS)數(shù)據(jù)實(shí)證分析財(cái)務(wù)舵主個(gè)人特征對(duì)家庭金融市場(chǎng)參與選擇、參與廣度和參與深度三個(gè)方面的影響。研究發(fā)現(xiàn):財(cái)務(wù)舵主的性別差異對(duì)于金融市場(chǎng)的參與行為有顯著影響,女性財(cái)務(wù)舵主家庭更傾向于參與金融市場(chǎng),其金融市場(chǎng)參與的廣度和深度均更強(qiáng),性別差異的來(lái)源集中于城市家庭,原因則主要是女性舵主的人力資本特征對(duì)金融市場(chǎng)參與行為的影響程度較男性舵主更高;財(cái)務(wù)舵主的年齡與金融市場(chǎng)參與行為的三方面均呈“倒U”型關(guān)系;具有城市戶口的財(cái)務(wù)舵主更傾向于參與金融市場(chǎng),其參與的廣度和深度均遠(yuǎn)高于農(nóng)村戶口家庭;人力資本的受教育程度和認(rèn)知能力兩方面對(duì)金融市場(chǎng)參與行為有正向顯著影響。
[Abstract]:Based on the logitine Ologit and Tobit models in the discrete selection model, this paper empirically analyzes the individual characteristics of the financial rudder in the choice of the household financial market by using the data of Chinese Household tracking Survey (CFPS). The study found that the gender difference of the financial rudder had significant influence on the financial market participation behavior, and the female financial rudder households were more likely to participate in the financial market. The extent and depth of financial market participation are stronger, the gender difference is concentrated in urban households, the main reason is that the human capital characteristics of female rudders have more influence on financial market participation behavior than male rudders. The age of the financial rudder and the three aspects of the financial market participation behavior are all "inverted U" type relationship, and the financial rudder with urban hukou is more inclined to participate in the financial market, its participation is much wider and deeper than that of the rural household. The educational level and cognitive ability of human capital have positive and significant influence on financial market participation behavior.
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本文編號(hào)：1627485