数字普惠金融与参与金融市场的家庭的复原力

IF 7.4 2区经济学 Q1 BUSINESS, FINANCE

Finance Research Letters Pub Date : 2024-10-12 DOI:10.1016/j.frl.2024.106288

Geng Peng , Fang Liu

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引用次数: 0

摘要

本文建立了一个由抵御能力、恢复能力和转型能力组成的多维框架来衡量家庭参与金融市场的韧性，进而探讨数字普惠金融的影响。本文以持有金融资产的中国家庭为研究样本，揭示了大多数家庭的金融抗风险能力较低，且不同家庭的抗风险能力存在较大差异。我们还发现，数字普惠金融的发展对家庭金融韧性有积极影响，而在线金融服务的使用则具有中介效应。

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 inclusive finance and the resilience of households involved in financial markets

This paper develops a multidimensional framework composed of resistance ability, recovery ability and transition ability to measure the resilience of households involved in financial markets, and then discusses the impact of digital inclusive finance. Taking Chinese households holding financial assets as the research sample, we unveil that the majority of households display low financial resilience and there are great differences among them. We also discover that the development of digital inclusive finance has positive influence on household financial resilience, and the use of online financial services has a mediating effect.

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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