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金融空间结构对家庭金融脆弱性的影响:来自中国的证据
Hang Gao1,2
1School of Economics, Capital University of Economics and Business, Beijing, China.
PloS one
|November 1, 2024
概括
金融空间结构通过局部和溢出效应减少了家庭的财务脆弱性. 金融监管和技术,特别是数字支付和保险,进一步增强了这些好处.
科学领域:
- 经济学 经济学 经济学
- 金融 金融 金融 金融 金融
- 社会学 社会学 社会学
背景情况:
- 家庭的财务脆弱性是一个越来越令人担忧的问题.
- 了解金融空间结构的影响对于政策至关重要.
- 现有的研究往往忽视了局部和溢出效应的相互作用.
研究的目的:
- 研究金融空间结构对家庭财务脆弱性的影响.
- 检查金融监管和金融技术的调节作用.
- 确定通过金融空间结构影响脆弱性的传输道.
主要方法:
- 利用了2012年至2020年中国家庭小组研究 (CFPS) 的面板数据.
- 采用计量经济学模型来分析"本地市场效应"和"空间溢出效应".
- 进行了内源性分析和强度测试,以确保有效性.
主要成果:
- 金融空间结构通过局部和溢出效应显著减轻了家庭的财务脆弱性.
- 家庭企业家精神,资产配置和财务素养是关键的调解因素.
- 金融监管增强了积极的影响,而金融技术的影响是微妙的.
结论:
- 金融空间结构是家庭财务弹性的关键决定因素.
- 金融监管和特定的金融技术应用 (数字支付,保险) 可以促进金融稳定.
- 政策应利用金融基础设施和技术来减轻家庭的财务脆弱性.
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