题目：数字普惠金融对家庭参与金融市场行为的影响
摘要：本研究旨在探讨数字普惠金融对家庭参与金融市场行为的影响。通过对国内外相关文献的综述，我们发现数字普惠金融能够通过信息获取与传播机制、金融服务接触与使用机制以及金融产品选择与消费机制影响家庭参与金融市场的行为。在数字普惠金融的推动下，家庭的金融知识普及程度提高，投资理财意识增强，金融服务体验得到改善。然而，数字鸿沟、风险认知不足以及隐私和安全问题等挑战仍然存在。因此，我们提出了加强金融教育、强化监管和风险提示以及提升数字技能和网络安全意识等对策。
关键词：数字普惠金融，家庭参与，金融市场行为
Abstract:This study aims to explore the impact of digital financial inclusion on household participation in financial markets. Through the review of relevant literature at home and abroad, we find that digital financial inclusion can influence households' behavior of participating in financial markets through the mechanisms of information acquisition and dissemination, access to and use of financial services, and selection and consumption of financial products. Driven by digital financial inclusion, households' financial literacy has increased, their awareness of investment and financial management has increased, and their financial service experience has improved. However, challenges such as the digital divide, insufficient risk perception, and privacy and security concerns remain. Therefore, we have proposed measures such as strengthening financial education, strengthening regulation and risk alerting, and enhancing digital skills and cybersecurity awareness.
Key words：Digital financial inclusion, family participation, financial market behavior
目录
题目：数字普惠金融对家庭参与金融市场行为的影响 1
摘要： 1
1 绪论 2
1.1研究背景和目的 2
1.2国内外研究现状 2
1.3研究内容与方法 3
2.文献综述 3
2.1数字普惠金融的定义和特点 3
2.2数字普惠金融对家庭参与金融市场行为的影响因素 3
2.3数字普惠金融对家庭参与金融市场行为的理论框架 4
3.数字普惠金融对家庭参与金融市场行为的影响机制分析 4
3.1信息获取与传播机制 4
3.2金融服务接触与使用机制 4
3.3金融产品选择与消费机制 5
4.数字普惠金融下家庭参与金融市场行为的现状 5
4.1金融知识普及程度提高 5
4.2投资理财意识增强 5
4.3金融服务体验改善 6
5.数字普惠金融下家庭参与金融市场行为的挑战 6
5.1数字鸿沟 6
5.2风险认知不足 7
5.3隐私和安全问题 7
6.数字普惠金融下家庭参与金融市场行为的对策 7
6.1加强金融教育 7
6.2强化监管和风险提示 8
6.3提升数字技能和网络安全意识 8
结论 9
参考文献 9
致谢 10
