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随着时代的不断进步发展,金融知识越来越成为大众接受的主流文化,其与个体金融行为之间的密切联系不仅影响着个人的微观收入流动性,还影响着社会经济发展的速度和水平。就目前来看,虽然我国国内人民的金融知识水平还处于参差不齐的不平衡阶段,但金融知识对微观收入流动性的巨大影响已初步凸显。因此,本文借助工具变量、计量经济学模型、转移收入矩阵等分析手段,深入探究金融知识与微观收入流动性之间的关系。
With the continuous development of the times, the financial knowledge has become the mainstream culture acceptable to the public. The close relationship between the financial knowledge and individual financial behavior not only affects the micro-income mobility of individuals, but also affects the speed and level of social economic development . For now, although the level of financial literacy of the people in our country is still in a period of uneven imbalance, the huge impact of financial knowledge on the micro-income liquidity has been initially highlighted. Therefore, with the aid of instrumental variables, econometrics models and transfer income matrix analysis methods, this paper explores the relationship between financial knowledge and micro-income liquidity.