谢琳琳,吴卫星

• 1:对外经济贸易大学国际商务战略研究院
• 2:首都经济贸易大学金融学院

摘要(Abstract)：

区域产业集聚状况对所在地区居民家庭的经济福祉具有关键影响，进而作用于居民家庭的金融决策行为。本文利用中国家庭金融调查(CHFS)2013—2019年数据，结合家庭所在位置、就业行业以及金融投资情况，探讨了产业集聚对家庭金融投资决策的影响。结果显示，受雇于本地集聚行业的家庭更倾向于投资风险资产，异质性分析表明该效应在低劳动风险、服务行业和城市地区中更为显著。进一步机制分析表明，产业集聚通过增强收入稳定性、提升人力资本和改善信贷可得性等途径发挥作用。本文拓展了当地产业结构对家庭金融决策影响的相关研究，为优化产业布局和推动区域金融市场发展提供了实证支持和政策参考。

关键词(KeyWords)： 产业集聚;家庭金融;劳动力市场条件;人力资本

Abstract:

Keywords:

基金项目(Foundation): 国家自然科学基金面上项目“‘双循环’背景下的家庭负债行为演变研究”(项目编号:72373024)的资助

作者(Author): 谢琳琳,吴卫星

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