数字普惠金融如何影响女性经济赋权?——来自中国家庭金融调查(CHFS)的证据  

How Does Digital Inclusive Finance Impact Women's Economic Empowerment:Evidence from the Chinese Household Finance Survey

作　　者：王翌秋 姚粤 何亮 Wang Yiqiu;Yao Yue;He Liang

机构地区：[1]南京农业大学金融学院

出　　处：《中国人口科学》2025年第1期23-39,共17页Chinese Journal of Population Science

基　　金：国家社会科学基金一般项目“国家生育政策调整下女性劳动参与变化及养老金补偿制度研究”(编号:22BGL207);中央高校基本科研业务费人文社会科学研究项目“国家生育政策调整下性别工资差异、养老金测算及补偿机制研究”(编号:SKYZ2023036)的阶段性成果。

摘　　要：提升女性经济权能、促进男女经济地位平等是推动经济社会高质量发展、实现包容性增长的重要路径。文章构建了经济赋权综合指数,使用中国家庭金融调查微观数据实证分析数字普惠金融对经济赋权的影响,并重点检验相应效应的性别差异。研究发现,以包容性为典型特征的数字普惠金融能够有效促进个体的经济赋权,相应效应对传统金融市场上受限较多的女性群体作用更强。机制分析表明,数字普惠金融通过缓解性别歧视、加强信息搜寻与金融运用能力、促进风险金融投资参与,提升了女性相对于男性的经济赋权。异质性分析发现,在工作稳定性较弱、家庭养育负担较重的女性群体中,数字普惠金融对经济赋权的作用更为明显。文章从包容性金融的角度为提升女性经济活力、促进经济地位性别平等提供了新的思路,也对维护女性经济权益、实现经济社会全面发展提供了政策启示。Improving women's economic empowerment and promoting gender equity are essential for achieving high-quality socio-economic development and inclusive growth.Using the CHFS data,this study introduces a novel measure of economicempowermentto explore the impactof digital inclusive finance developmenton economic empowerment,with a focus on gender-specific effects.Our results show that digital inclusive finance development enhances economic empowerment,exerting a particularly stronger influence on women who face substantial barriers in traditional financial markets.Regarding its mechanisms,digital inclusive finance enhances women's economic empowerment by alleviating gender discrimination,strengthening capacity for information search and financial resource utilization,as well as facilitating participation in financial investments.Heterogeneity analysis further reveals that this effect is most significant among women with more unstable employment,or heavier parenting burden.Our findings offer valuable insights into how inclusive finance can improve women's economic status and promote gender equity,providing practical implications for policymakers dedicated to advancing women's economic rights and fostering comprehensive socio-economic progress.

关 键 词：数字普惠金融 女性经济赋权 性别平等 包容性金融 

分 类 号：C913.68[经济管理] F49[社会学] F832