消费者金融教育与家庭养老保障选择的多元化——基于PSM的实证分析

北京邮电大学学报(社会科学版) ›› 2015, Vol. 17 ›› Issue (5): 68-75.

消费者金融教育与家庭养老保障选择的多元化——基于PSM的实证分析

安徽财经大学金融学院，安徽蚌埠233030

收稿日期:2015-02-03 出版日期:2015-10-30 发布日期:2023-03-27
基金资助:
国家社会科学基金重大项目（13&ZD018）；中国博士后科学基金面上项目（2015M571720）；安徽省高校人文社会科学重点项目（SK2014A157）；安徽财经大学科学研究基金项目（ACKY1508ZDB）；安徽财经大学“资产价格与金融稳定”学科特区项目（ACZCJGYJRWD2014ZD04）

Consumer Financial Education and Diversification of Social Security Choice for Household ——Empirical Analysis Based on PSM

School of Finance, Anhui University of Finance and Economics, Bengbu 233030, China

Received:2015-02-03 Online:2015-10-30 Published:2023-03-27

摘要/Abstract

摘要： 利用倾向得分匹配法实证分析了金融教育对家庭养老保障计划的影响。研究发现，在混合样本条件下，消费者接受金融教育的程度对家庭养老保障计划选择行为具有显著影响；按照受访者从业行业进行划分后发现，在我国目前突出的行业差异性背景下，公职单位和技术管理岗位的受访者家庭在养老保险和以养老为目的的长期投资方面参与较之其他家庭的差异较为显著，而由于储蓄惯性使得养老储蓄方面的差异并未得到显著体现。

关键词: 消费者金融教育, 养老保障, 倾向得分匹配法, 家庭养老

Abstract: The impact of financial education on diversification of social security choice for household is empirically analyzed with propensity scoring matching(PSM) It is found that under the mixing samples, the level of financial education for consumers affects diversification of social security choice for household significantly Division by consumer occupation shows that compared with other consumers, consumers who work in public and technical sections have significant differences in pension insurance and long-term investment aimed at security under the background of outstanding industry differences, while difference in pension savings is not showed significantly

Key words: consumer financial education, social security, propensity scoring matching, household security

中图分类号:

C9136
F83

周弘. 消费者金融教育与家庭养老保障选择的多元化——基于PSM的实证分析[J]. 北京邮电大学学报(社会科学版), 2015, 17(5): 68-75.

ZHOU Hong. Consumer Financial Education and Diversification of Social Security Choice for Household ——Empirical Analysis Based on PSM[J]. Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition), 2015, 17(5): 68-75.