[1]董晓林,石晓磊.信息渠道、金融素养与城乡家庭互联网金融产品的接受意愿[J].南京农业大学学报(社科版),2018,18(04):109-118.
　DONG Xiaolin,SHI Xiaolei.Information Channel, Financial Literacy and the Willingness to Accept the Internet Financial Products of Household in Urban and Rural Areas[J].Journal of Nanjing Agricultural University(Social Science),2018,18(04):109-118.
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信息渠道、金融素养与城乡家庭互联网金融产品的接受意愿()
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南京农业大学学报（社科版）[ISSN:1006-6977/CN:61-1281/TN]

卷:
18
期数:
2018年04期
页码:
109-118
栏目:
农业经济
出版日期:
2018-06-25

文章信息/Info

Title:
Information Channel, Financial Literacy and the Willingness to Accept the Internet Financial Products of Household in Urban and Rural Areas
作者:
董晓林;  石晓磊
南京农业大学 金融学院/江苏农村金融发展研究中心, 江苏 南京 210095
Author(s):
DONG Xiaolin;  SHI Xiaolei
关键词:
互联网金融; 信息渠道; 金融素养; 普惠金融
分类号:
F830
摘要:
互联网金融可以降低金融产品成本，扩展金融服务的边界，而互联网金融能否充分发挥金融普惠作用，还受到金融需求主体的接受意愿和使用程度的影响。文章分析城乡家庭对于互联网金融产品的接受、使用及其影响因素，并重点探究信息渠道和金融素养所起的作用及其作用机制。研究发现，城乡家庭对于互联网金融产品的使用存在较大差异，但随着时间的推进，二者之间的差距在逐渐缩小，农村家庭对于互联网金融产品的使用在逐渐增加；信息渠道对城乡家庭互联网金融产品的使用有显著的正向影响，而家庭的金融素养在其中发挥着重要的作用，即金融素养较高的家庭，在繁杂的信息中分析、整理和吸收相关信息的能力较强，从而使得信息渠道增加所带来的使用意愿、使用程度显著提高。因此，加强农村和偏远地区信息基础设施建设，提高弱势群体的金融素养，增强金融信息的监管，是提高城乡家庭互联网金融接受意愿，推进数字普惠金融发展的重要条件。
Abstract:
This paper studied the acceptance, use and its influence factors of the Internet financial product among urban and rural households, and focused on the role of information channel and financial literacy. We found that a big difference exists in the use of the Internet financial product among urban and rural households, but as the time goes on, the gap between them is gradually narrowed. The use of the Internet financial product has been gradually increased in the past two years. We also found that the information channel has shown a significant effect on the use of the Internet financial product, and the family’s financial literacy plays an important role in this relationship. The households with higher financial literacy have the ability to analyze, organize and absorb the useful information, which makes the increase brought by information channel more significant. Therefore, strengthening the construction of information infrastructure in rural and remote areas, improving the financial literacy of the vulnerable group, and strengthening the regulation of financial information are the essential prerequisites for increasing the use of the Internet financial product and building financial inclusive system.

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备注/Memo

备注/Memo:
收稿日期:2017-11-24。
基金项目:国家哲学社会科学基金重点项目"信息化趋势下普惠金融发展问题研究"（15AJY020）；南京农业大学人文社会科学研究重大项目"江苏普惠金融发展报告"（SKZD2017006）；2017年江苏省研究生科研创新计划项目"金融信息化背景下中国家庭消费行为研究"（KYCX17_0662）
作者简介:董晓林,女,南京农业大学金融学院教授,博士生导师,E-mail:dongxiaolin@njau.edu.cn;石晓磊,男,南京农业大学金融学院博士生
更新日期/Last Update: 1900-01-01