数字金融素养影响家庭健康消费:机制与效应检验  

How Does Digital Financial Literacy Have an Impact on Healthy Household Consumption:Mechanisms and Evidence

作　　者：孙豪 汪楠 肖亮[1] 武优勐 Sun Hao;Wang Nan;Xiao Liang;Wu Youmeng

机构地区：[1]浙江工商大学现代商贸研究中心 [2]复旦大学经济学院 [3]浙江工商大学杂志社 [4]浙江工商大学经济学院 [5]安徽工业大学商学院

出　　处：《经济研究参考》2024年第12期63-87,共25页Review of Economic Research

基　　金：国家社会科学基金一般项目“消费主导型经济的形成机制与推进路径研究”(No.23BJL086);教育部人文社会科学重点研究基地浙江工商大学现代商贸研究中心优秀青年领军人才专项课题“数字消费的测度与增长研究”(No.2022SMRC03);教育部人文社会科学重点研究基地浙江工商大学现代商贸研究中心课题“健康消费发展的增长逻辑、关键路径与推进政策研究”。

摘　　要：促进健康消费发展,有助于提升人民健康水平和培育壮大新型消费,是贯彻落实健康中国行动的重要内容。在数字经济快速发展背景下,居民数字金融素养对家庭健康消费具有重要影响。本文将健康消费分为基础型健康消费和发展型健康消费,在测度数字金融素养的基础上,实证检验了数字金融素养对家庭健康消费的影响效果。结果表明:数字金融素养对家庭健康消费有显著的促进作用;数字金融素养通过促进家庭互联网平台的接入、增加自身健康认知水平和提升自我风险防范水平,促进发展型健康消费发展;主客观风险偏好在数字金融素养对家庭健康消费的影响中均存在显著的调节效应。本文的研究结论为促进健康消费发展提供了政策参考,包括提升家庭数字金融素养、转变健康消费理念、重视家庭风险偏好和丰富健康消费供给等。Promoting the development of health consumption helps to improve people s health level and cultivate and expand new consumption,which is a significant content of implementing Healthy China initiative.In the context of the rapid development of digital economy,residents digital financial literacy has an important impact on healthy household consumption.This paper divides health consumption into basic health consumption and developmental health consumption.Based on the measurement of digital financial literacy,this paper empirically tests the impact of digital financial literacy on healthy household consumption.The results show that digital financial literacy has a crucial role in promoting healthy household consumption.Digital financial literacy can promote the development of development-oriented health consumption by improving families access to internet platforms,increasing their own health cognition level and improving their own risk prevention level.Both subjective and objective risk preference have significant moderating effects on the impact of digital financial literacy on healthy household consumption.The research conclusions of this paper provide policy references for promoting the development of health consumption,including improving family digital financial literacy,changing the concept of health consumption,paying attention to family risk preference and enriching the supply of health consumption.

关 键 词：健康中国 健康消费 数字金融素养 风险偏好 

分 类 号：F126.1[经济管理—世界经济]