Digital skills and household financial asset allocation

被引：25

作者：

Wang, Shuo ^{[1
]}

Li, Chengyou ^{[2
]}

Wang, Zeru ^{[2
]}

Sun, Guanglin ^{[3
]}

机构：

[1] Shandong Univ, Ctr Econ Res, Jinan 250100, Peoples R China

[2] Shandong Univ Finance & Econ, Sch Finance, Jinan 250014, Peoples R China

[3] Nanjing Univ Finance & Econ, Sch Finance, Nanjing 210023, Peoples R China

来源：

FINANCE RESEARCH LETTERS | 2023年 / 58卷

基金：

中国国家社会科学基金;

关键词：

Digital skills; Access to financial information; Risk attitude; Household financial asset allocation; RISK;

D O I：

10.1016/j.frl.2023.104566

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

This research explores the impact of digital skills on household financial asset allocation using data from China Family Panel Studies spanning 2014 to 2020. The findings demonstrate that digital skills contribute to improved allocation of risky assets. They influence financial market participation by enhancing information acquisition and shaping risk attitudes. Moreover, variations emerge in the effect of digital skills based on urban and rural distinctions and wealth disparities. This study sheds light on the dynamic role of digital skills in shaping household financial behaviors and offers insights into reducing wealth inequality.

引用

页数：8

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