金融素养与家庭非金融资产——基于CHFS数据的实证分析 本文基于西南财经大学中国家庭金融调查与研究中心家庭金融调查项目（CHFS）问卷的相关数据，运过因子分析法及直接加总法构建金融素养指标，并采用Probit实证模型分析了户主金融素养水平对家庭非金融资产和负债选择的影响。从实证研究得出，金融素养水平对不同非金融资产产生的效应不同，金融素养对于家庭是否拥有车辆资产及古玩字画等其他非金融资产均具有显著的正向影响性，而对家庭是否拥有住宅产生的影响并不显著；同时从持有负债上来看，金融素养对是否背负住房负债具有显著的负向影响性，而对是否背负车贷或其他非金融资产负债不具有显著影响性。普及金融知识，提高金融素养，有利于增强居民进行资产配置和财务规划的能力。 关键词：家庭非金融资产；金融素养；Probit模型 Financial Literacy and Household Non-Financial Assets——Empirical Analysis Based on CHFS Data ABSTRACT Based on the relevant data of the Family Finance Survey Project (CHFS) questionnaire of China Family Finance Research and Research Center of Southwest University of Finance and Economics, this paper constructs the financial literacy index by means of factor analysis and direct addition method, and analyzes the influence of the financial literacy level of the head of household on the choice of non-financial assets and liabilities of the household using the Probit empirical model. From the empirical research, it is concluded that the financial literacy level has different effects on different non-financial assets, and financial literacy has a significant positive influence on whether the family owns vehicle assets and other non-financial assets such as antique paintings, but does not have a significant impact on whether the family owns a house; Popularizing financial knowledge and improving financial literacy is conducive to enhancing residents' ability to allocate assets and plan financially. Keywords: Household non-financial assets; Financial literacy; Probit model 目 录 摘要 1 ABSTRACT 1 一、引言 1 二、文献综述 1 (一) 金融素养的定义及其度量 1 (二) 金融素养影响家庭非金融资产和负债 2 三、数据以及变量说明 3 (一) 数据来源 3 (二) 数据变量 3 1、被解释变量 3 2、解释变量 4 3、控制变量 5 四、实证检验 6 (一) 金融素养与非金融资产选择 6 1、模型设定 6 2、回归结果分析 7 (二) 金融素养与负债 10 1、模型设定 10 2 、回归结果分析 10 五、结论与措施 12 参考文献 14
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