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认知能力、社会互动与家庭金融资产配置研究

萌宠菠菠乐园
2024-10-20 19:55

摘要：

以中老年人群为研究对象，运用CHARLS数据，构建金融资产选择因素模型，重点研究计算能力和记忆力度量的认知能力与社会互动水平对家庭金融资产配置的影响。结果表明：由于风险金融资产的高信息密度，基础数学计算能力对风险金融资产持有的影响并不显著，但记忆力无论在全样本还是区分人群样本中均显著促进了家庭金融资产的配置；与内在的认知能力相比，外在的社会互动对家庭金融资产配置的促进作用更加明显，特别是老年家庭的风险资产持有。该结论对不断完善资本市场、加强养老保障体制中“社区养老文化”建设、普及金融素养教育以及金融机构养老理财产品的设计具有很强的现实意义。

关键词: 认知能力, 社会互动, 家庭金融资产配置, 无风险资产, 风险资产

Abstract:

This paper provides new evidence for the study of Chinese household financial asset allocation.We use the data of China Health and Retirement Longitudinal Survey （CHARLS）to construct a model of financial asset selection,then research on the impact of social interaction and cognitive abilities measured by numeracy and memory of the elderly on their asset allocation behavior.The results show that due to the high density of information about risk assets,the impact of basic numeracy on the financial risk assets is not significant,but the memory significantly promotes the allocation of household financial assets both in the whole sample and subsample;compared with the inherent cognitive ability,the outside social interaction has greater impact on household financial asset allocation,especially on risk assets held by older households.The conclusion has strong practical significance for improving the capital markets,strengthening the construction of old-age security system of “community retirement culture”,popularizing financial literacy education and designing new financial products to the elderly.

Key words: cognitive abilities, social interaction, household asset allocation, risk-free assets, risk assets

中图分类号:

F832.5