数字金融使用对农村家庭经济脆弱性的影响研究  

Research on the Impact of Digital Finance Use on Economic Vulnerability of Rural Households

作　　者：罗荷花[1] 黄浩权 LUO Hehua;HUANG Haoquan(School of Economics,Hunan Agricultural University,Changsha,Hunan 410128)

机构地区：[1]湖南农业大学经济学院,湖南长沙410128

出　　处：《商学研究》2024年第5期108-118,共11页Commercial Science Research

基　　金：湖南省社会科学基金项目“湖南省农户数字金融行为减缓收入相对贫困的机理与路径研究”(21JD020);湖南省研究生科研创新项目“数字经济增强湖南省农村家庭发展韧性问题研究”。

摘　　要：基于2017年、2019年中国家庭金融调查(CHFS)数据,从“资不抵债”“入不敷出”两个维度测度农村家庭经济脆弱性,运用固定效应模型探讨数字金融使用对农村家庭经济脆弱性的影响。研究表明:数字金融使用能有效缓解农村家庭经济脆弱性,提高金融素养和优化资产配置是其缓解效应发挥的重要机制。异质性分析显示,数字金融使用对农村家庭经济脆弱性的缓解效应在西部地区、低受教育程度和低收入人群中更有效。据此,本文提出建立健全农村数字金融发展长效机制、充分释放“长尾效应”优势等对策建议,以期提升农村家庭风险抵御能力,助力乡村全面振兴并实现人民共同富裕。Drawing on the data of 2017 and 2019 China Household Finance Survey(CHFS),this paper measures economic vulnerability of rural households from the dimensions of“insolvency”and“making ends meet”,and uses a fixed-effect model to explore the impact of digital finance use on economic vulnerability of rural households.The results show that digital finance use can effectively alleviate economic vulnerability of rural households,and improving financial literacy and optimizing asset allocation are important mechanisms to play a role in mitigating the effect.Heterogeneity analysis shows that the mitigation effect of digital finance use on economic vulnerability of rural households is more effective in the western region,among people with low educational attainment,and low income.Accordingly,this paper proposes to establish and improve the long-term mechanism for the development of rural digital finance and fully release the advantages of the“long-tail effect”,in order to improve the risk resilience of rural households,help the comprehensive revitalization of rural areas,and achieve common prosperity for the people.

关 键 词：数字金融使用 农村家庭经济脆弱性 资产配置 金融素养 

分 类 号：F323[经济管理—产业经济] F832