农村家庭金融市场参与影响因素的比较研究

通过金融深化增加农村家庭参与金融市场的机会,让金融为广大农村家庭服务,改善其资源配置,解决农村金融抑制.本文将农村家庭金融资产分为安全型和风险型,以问卷调查获取的数据建立Logistic回归模型对东部地区与西部地区农村家庭参与金融市场的决定因素进行研究和比较.模型结果验证了财富效应假设、人力资本假设在东西部存在不同的影响结果,但资产回报率越高则农村家庭参与度越高在东西部的影响都非常显著,此外,家庭控制变量影响在东西部地区有不同的表现.

Comparisons study of rural family on financial market participation

Through financial deepening, the chances of rural families to participate in financial markets are greatly increased, and their asset allocation will be improved. The development of the rural financial market is the prerequisite and basis for rural economy. On the base of questionnaires, rural financial assets are divided into two types: security and risk-type, and the determinants of rural family investments are explored and analyzed adopted Logistic model in this paper. Study results shows there are diffe...