数字素养促进农村居民财富积累:何以可为?  

Digital Literacy Promotes Wealth Accumulation among Rural Residents:How is It Feasible?

作　　者：孙继国[1] 颜培恒 SUN Jiguo;YAN Peiheng

机构地区：[1]青岛大学经济学院,青岛266061

出　　处：《南京农业大学学报(社会科学版)》2025年第2期162-176,共15页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：国家社会科学基金项目“普惠金融支持农业创新链和产业链对接的机制与路径研究”(21BJY044);青岛市社会科学规划项目“数字普惠金融对青岛市乡村产业振兴的影响效应及支持路径研究”(QDSKL2201078)。

摘　　要：数字素养的提高有助于农村居民把握数字时代红利,促进农村居民财富积累。文章基于中国家庭追踪调查(CFPS)数据,从物质财富和精神财富两个层面选取代表性指标衡量农村居民财富积累水平,实证检验数字素养对农村居民财富积累的影响效应和作用机制。研究发现:数字素养能够显著促进农村居民物质财富积累和精神财富积累。机制分析表明,数字素养通过推进农村土地流转和非农就业来促进农村居民财富积累。调节效应分析发现,数字素养促进作用的发挥离不开家庭健康财务环境的支撑,家庭金融韧性对数字素养促进农村居民财富积累存在助推作用。研究结论为提升农村居民数字素养进而促进农村居民财富积累、实现农民农村共同富裕提供了经验证据和决策参考。The enhancement of digital literacy empowers rural residents to harness the benefits of the digital age and facilitates the accumulation of wealth within rural communities.Utilizing data from the China Household Panel Survey(CFPS),this paper selects representative indicators to quantify the wealth accumulation levels of rural residents across material and spiritual dimensions.It empirically examines the impact and underlying mechanisms of digital literacy on rural residents wealth accumulation.The study reveals that digital literacy significantly boosts the accumulation of both material and spiritual wealth among rural residents.The mechanism analysis indicates that digital literacy fosters wealth accumulation by facilitating rural land transfer and promoting non-agricultural employment opportunities.The analysis of moderating effects suggests that the advancement of digital literacy is contingent upon a supportive household financial environment,with household financial resilience exerting a positive influence on wealth accumulation through digital literacy.The findings of this research offer empirical evidence and a decision-making framework for enhancing rural residents digital literacy,advancing their wealth accumulation,and working towards the common prosperity of rural communities.

关 键 词：数字素养 农村居民财富积累 农村土地流转 非农就业 家庭金融韧性 

分 类 号：F320[经济管理—产业经济]