金融知识、风险态度对借贷行为的影响——基于CHFS的经验证据

摘要

金融知识是消费者负责任金融行为的重要驱动力.本文区分主观金融知识和客观金融知识,从微观视角分析了金融知识通过风险态度改变借贷行为的作用机制,基于CHFS抽样数据的结果表明,客观金融知识和主观金融知识对金融行为都具有显著的正向影响关系,而且通过风险态度与之间接的影响关系也显著成立.这些发现揭示了金融知识以及心理特征如风险态度在解释金融行为差异方面的重要性,为消费者金融教育提供了重要的理论和实践依据.%Financial knowledge is an important driving force of consumer′s responsible financial behavior.This pa-per will distinguish between subjective financial knowledge and objective financial knowledge,and analyze the mecha-nism of financial knowledge changing the borrowing behavior through risk attitude from microcosmic perspective. Based on the results of CHFS sampling data,it shows that objective financial knowledge and subjective financial knowledge have a significant positive influence on financial behavior,and the relationship between risk attitude and in-direct impact is also established.These findings reveal the importance of psychological characteristics such as risk atti-tudes in explaining differences in financial behavior.