关键词: 居民家庭, 金融服务获得性, 收入流动性, 有序probit回归

Abstract: With the development of Inclusive Finance and the implementation of targeted poverty alleviation,the breadth and depth of households participation in the financial market have been continuously improved,and the effect of family financial service availability on household income distribution has become increasingly prominent.Using China Household Financial Survey(CHFS),this paper adopts income transfer matrix and ordered probit model to study the impact of family financial service availability on income mobility.The results show that the increase of family financial service availability has a positive impact on the upward mobility of low-income families,and has a restraining effect on the downward mobility of high-income families,and the robustness test of urban and rural subsamples and panel verifies the reliability of empirical results.Improving family financial service availability plays a positive role in promoting micro income mobility and alleviating the solidification of social income class.The government should promote Inclusive Financial development to reduce financing costs,optimize regional allocation of financial resources,strengthen financial education and protect vulnerable financial groups.

Key words: resident families, family financial service availability, income mobility, orderly probit regression