【摘要】 本文选取2011—2019年中国家庭金融调查数据为样本，探讨互联网金融与农村家庭金融资产配置效率间的关系。研究发现，在现有互联网金融发展水平下，互联网金融能提高农村家庭的金融可得性，但未缓解金融排斥，未能促进农村家庭金融资产配置效率的提升。异质性分析表明，第二产业和工业化发展有助于发挥互联网金融在提升农村家庭金融资产配置效率中的作用；相较于从事个体经济，互联网金融对就业于私营企业的农村家庭金融资产配置效率具有更显著的促进作用。建议从加强金融知识普及降低金融排斥、促进农村产业工业化进程、引导金融机构深入农村市场等方面入手，来发挥互联网金融在配置农村家庭金融资产方面的作用。更多还原

【Abstract】 This article selects the 2011—2019 China Household Finance Survey data as a sample to explore the relationship between Internet finance and financial asset allocation efficiency of rural households. It is found that under the current level of Internet finance development, Internet finance can improve the financial accessibility of rural households, but it does not alleviate financial exclusion, it fails to promote the financial asset allocation efficiency of rural households. Heterogeneity analysis shows that the development of the secondary industry and industrialization helps to play the role of Internet finance in improving financial asset allocation efficiency of rural households; compared with engaging in the individual economy, Internet finance has a more significant role in promotion effect on financial asset allocation efficiency of rural households employed in private enterprises. It is suggested that the role of Internet finance in allocating financial assets of rural households should be given full play by strengthening financial literacy to reduce financial exclusion, promoting the industrialization of rural industries, and guiding financial institutions to penetrate into the rural market in depth.更多还原