数字鸿沟对中学生金融素养的影响——基于PISA2015中国四省市数据的实证分析  

The Impact of Digital Divide on Middle School Students’ Financial Literacy——An Empirical Analysisbased on PISA2015 Date of Four Provinces and Cities in China

作　　者：李庆海[1] 李浩 胡久红 LI Qinghai;LI Hao;HU Jiuhong(School of Economics,Nanjing University of Finance and Economics,Nanjing,Jiangsu 210023,China)

机构地区：[1]南京财经大学经济学院,江苏南京210023

出　　处：《金融教育研究》2025年第2期42-56,共15页Research of Finance and Education

基　　金：国家社会科学基金项目“数字普惠金融背景下我国农村金融消费者保护测度、影响及其提升研究”(21BJY042)。

摘　　要：基于PISA2015的数据,考察了接入沟、频率沟和能力沟三类数字鸿沟对我国中学生金融素养的影响。研究结果表明:第一,接入沟和能力沟对中学生金融素养具有负向影响,即不使用互联网和互联网使用能力较弱的中学生的金融素养相对较低,而频率沟的影响并不显著,即互联网使用频率的高低并不会影响中学生的金融素养。第二,分维度分析表明,对于频率沟而言,网上看新闻频率越低,金融素养就越低,网上玩游戏频率越低,金融素养则越高,而网上聊天、参与社交网络、网上浏览娱乐和网上获取实用信息等频率的影响均不显著。对于能力沟而言,软件安装能力和应用程序选择能力越弱,金融素养就越低,而数字设备适应能力和数字设备问题解决能力的影响均不显著。第三,异质性分析发现,接入沟和能力沟的负向影响,在不同性别、学段、城乡和预期教育程度的中学生中存在差异。Based on PISA2015 data,this paper investigates the impact of three different types of digital divides,which are the digital access divide,digital frequency divide,and digital capability divide,on middle school students' financial literacy.The findings show that:(1)The Digital access divide and capability divide have a negative impact on the financial literacy of middle school students,suggesting that students who do not use the internet or possess weaker capabilities tend to have relatively lower financial literacy.Besides,the effect of digital frequency is insignificant,suggesting that the frequency of Internet use does not affect the financial literacy of middle school students.(2)Dimensional analysis shows that within the digital frequency divide,a lower frequency of browsing news online is associated with lower financial literacy.In comparison,a lower frequency of playing online games is associated with higher financial literacy.The impact of chatting online,participating in social networks,browsing entertainment content online,and getting practical information online is insignificant.Within the digital capability divide,weaker capabilities in software installation and application selection are associated with lower financial literacy.In contrast,the impact of adaptability to digital devices and problem-solving abilities related to digital devices is insignificant.(3)Heterogeneous analysis shows that the impact of the digital access divide and capability divide are significantly different in students with different genders,grades,areas,and educational expectations.

关 键 词：数字鸿沟 接入沟 频率沟 能力沟 中学生 金融素养 

分 类 号：C633.25[社会学]