Влияние ресурсного неравенства домохозяйств на их склонность к осуществлению рискованных финансовых инвестиций

Abstract

Using data from the Chinese Social Survey 2017 (CGSS-2017), the Probit model was used to empirically analyze the hypothesis about the impact of family resource inequality on their propensity to make risky financial investments. The study showed that with a higher level of education, income, intra-family and inter-generational ties (characterizing various aspects of the human and social capital of households), households are more inclined to make relatively risky financial investments. Based on the results of the work, it is proposed to unite the efforts of the government, financial institutions and households to reduce the gap in the level of family well-being caused by the inequality of their resources.