摘要
本文基于2019年中国家庭金融调查(China Household Finance Survey,CHFS)数据,探讨了房价波动如何影响金融素养对家庭创业行为的作用。研究发现,金融素养对家庭创业表现为促进作用,若最大程度发挥此促进作用,应尽量收窄房地产市场波动。即房价波动越小,金融素养对家庭创业的正向推动作用越大,家庭持有的工商业资产额度就越多。基于此,提出以下政策建议:一是多渠道采取有效措施提升居民金融素养水平,增强居民金融决策能力;二是积极探索增进房价稳定的体制机制,推动房地产市场健康稳定发展。本研究为如何激发创业活力提供了政策启示,也为促进房地产市场平稳健康发展提供了一定理论支撑。
This paper uses the 2019 China Household Finance Survey(CHFS)to innovatively explore whether house price fluctuations affect the role of financial literacy in household entrepreneurship behavior.This study found that financial literacy plays a significant role in promoting entrepreneurship.However,to maximize the positive role of financial literacy in promoting entrepreneurship,it should reduce the volatility of the real estate market.That is,the smaller the fluctuation in house prices,the greater the positive impact of financial literacy on family participation in entrepreneurship,and the more industrial and commercial assets a family holds.This study provides some enlightenment on how to stimulate the vitality of market players,and also provides theoretical support for the formulation of real estate market development and regulation policies.The policy implication of this study is:in order to better implement the strategic deployment of entrepreneurship and innovation,on the one hand,effective measures need to be taken through multiple channels to improve residents'financial literacy and enhance residents'financial decision-making ability;on the other hand,we should actively explore institutional mechanisms to enhance the stability of housing prices,so as to promote the healthy and stable development of the real estate market.
出处
《金融监管研究》
CSSCI
北大核心
2023年第3期93-114,共22页
Financial Regulation Research
基金
广东省哲学社会科学规划项目"房价分化背景下珠三角青年住房需求对创业行为的影响"的资助,项目批准号:GD22XYJ07
关键词
房价波动
金融素养
家庭创业
House Price Fluctuation
Financial Literacy
Entrepreneurship
