数字金融使用对家庭消费升级的影响研究：基于金融资产配置视角

IF 4.8 2区经济学 Q1 BUSINESS, FINANCE

International Review of Economics & Finance Pub Date : 2024-09-07 DOI:10.1016/j.iref.2024.103628

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引用次数: 0

摘要

本文利用 2015-2019 年中国家庭金融调查（CHFS）数据，分析了数字金融使用对家庭消费升级的影响。总体而言，数字金融服务的使用刺激了家庭消费，提升了消费模式。机理分析表明，数字金融的使用通过优化家庭金融资产配置，对消费升级产生积极影响。这体现在四个方面：参与风险金融市场、增加风险资产配置、提高金融投资组合的多样性和有效性。此外，数字金融的使用对消费升级的影响因年龄、财富和地区差异而异。

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A study of the impact of digital finance usage on household consumption upgrading: Based on financial asset allocation perspective

This paper analyzes the impact of digital financial usage on household consumption upgrading using data from the China Household Finance Survey (CHFS) 2015–2019. Overall, using digital financial services stimulates household consumption and enhances consumption patterns. Mechanistic analysis indicates that digital financial usage positively influences consumption upgrading by optimizing household financial asset allocation. This is evidenced across four dimensions: participation in risky financial markets, augmentation of risky asset allocation, and enhancement of financial investment portfolio diversity and efficacy. Furthermore, the influence of digital financial usage on consumption upgrading varies according to age, wealth, and region differences.

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来源期刊

International Review of Economics & Finance Multiple-

CiteScore

7.30

自引率

2.20%

发文量

253

期刊介绍： The International Review of Economics & Finance (IREF) is a scholarly journal devoted to the publication of high quality theoretical and empirical articles in all areas of international economics, macroeconomics and financial economics. Contributions that facilitate the communications between the real and the financial sectors of the economy are of particular interest.