互联网使用对居民金融素养的影响

The Impact of Internet Use on Residents' Financial Literacy

中文关键词:  互联网使用  金融素养  线上社会互动  线下社会互动  中介效应模型

英文关键词:Internet use  financial literacy  online social interaction  offline social interaction  mediating model

中文摘要:

      中国人民银行2019年发布的国民金融素养调查结果显示,我国国民金融素养整体有待提高。与此同时,随着互联网时代的到来,互联网已成为居民获取各类信息的重要途径。然而,相关文献却鲜有关注互联网使用对居民金融素养的影响。为此,利用CFPS2014调查数据,基于中介效应模型实证检验了互联网使用对居民金融素养的影响及其机制。结果表明:(1)互联网使用显著提高了居民金融素养,且对高级金融素养的提升作用更大,部分结论在CFPS2018调查样本中依然成立；(2)互联网使用对初中、高中及大专学历群体的金融素养产生了显著的正向影响,且对所有收入群体的金融素养也产生了显著的正向影响,但这种影响在不同学历群体之间存在显著差异,在不同收入群体之间则不存在显著差异；(3)互联网使用可以通过线上和线下社会互动两条途径影响居民的金融素养。上述结论表明,应通过大力提高居民互联网的使用率、积极开展金融知识专项教育培训、着力拓展线上和线下社会互动渠道等方式,推动居民金融素养的有效提升。

英文摘要:

      The survey results of national financial literacy conducted by the People's Bank of China in 2019 show that the level of national financial literacy in China as a whole needs improving. At the same time, with the advent of the Internet era, the Internet has become an important way for residents to obtain all kinds of information. However, there is little literature to pay concern to the impact of Internet use on the residents' financial literacy. To this end, this paper empirically studies the influence of Internet use on residents' financial literacy and its mechanism based on the mediating model by using the data of CFPS in 2014. The findings show that Internet use significantly improves the level of residents' financial literacy, and plays a better role in improving the high-level financial literacy, some conclusion is still valid using the data of CFPS2018. Internet use has a significant positive impact on the residents' financial literacy with junior middle school, senior middle school and junior college education, and also has a significant positive impact on the residents' financial literacy level of all income levels. However, there are significant differences among different education levels and no significant differences among different income levels. Internet use can influence residents' financial literacy level through online and offline social interaction. The above conclusions mean that residents' financial literacy level in China should be effectively promoted by vigorously increasing the rate of Internet use, actively carrying out special education and training of financial knowledge, and trying to develop various online and offline social interaction channels. 