居民金融素养与家庭诈骗损失

本文基于中国家庭金融调查(CHFS)的数据,采用工具变量法,从微观层面研究了居民金融素养对家庭遭遇诈骗产生损失概率的影响。研究发现:(1)居民金融素养水平的提高可以显著降低家庭因诈骗产生损失的可能性,即家庭具备的金融素养越多,越不会在诈骗中受损。(2)家庭收入在居民金融素养和家庭诈骗受损概率关系中起显著负向调节作用,当家庭收入越高时,其在诈骗中遭受损失的可能性受居民金融素养水平的影响越小。进一步的异质性研究表明,金融素养对不同教育水平家庭诈骗受损概率都具有显著的负向影响,但是影响效果存在差异。

Residents'Financial Literacy and Households'Fraud Losses

Based on China Household Finance Survey(CHFS)data,by choosing instrumental variable,this paper investigates the effect of financial literacy on households'losses of the fraud from the micro level.The paper finds that:(1)The increase of residents'financial literacy can significantly reduce the probability of households'fraud losses.The more the financial literacy a household has,the less likely it will be damaged in fraud.(2)Household income plays a significant negative moderating role in the relationship between residents'financial literacy and the probability of households'fraud losses.When the household income is higher,the possibility of suffering losses in fraud is less affected by the level of residents'financial literacy.Further heterogeneity study finds that financial literacy has a significant negative impact on the probability of households'fraud losses at different educational levels,but the effect is different.