金融科技对我国居民金融健康水平的影响  

The Impact of Fintech on the Financial Health of Chinese Residents

作　　者：王成岐 钱梦蕾 王美欣 WANG Cheng-qi;QIAN Meng-lei;WANG Mei-xin(University of Nottingham,Nottingham NG8188,UK;Industrial Bank Co.,Ltd,Beijing Branch,Beijing 102200,China)

机构地区：[1]诺丁汉大学,英国诺丁汉NG8188 [2]兴业银行北京分行,北京102200

出　　处：《税务与经济》2025年第2期4-13,共10页Taxation and Economy

摘　　要：金融科技的崛起在全球范围内推动了金融服务的创新与普及,为提高居民金融健康水平提供了新的可能性。利用Findex数据库中的调查数据,采用有序Probit模型实证分析金融科技发展对中国居民金融健康的影响。研究发现,金融科技的广泛应用显著提高了居民的金融健康水平,特别是在增强金融弹性和减少财务焦虑方面发挥重要作用。不同群体间存在显著的异质性影响:男性、高收入群体及高等教育人群的金融健康水平提升更为显著,而低收入、低教育群体则面临数字鸿沟的限制,无法同等受益。相比2017年,2021年金融科技对缓解居民财务压力的作用更为突出。我国应进一步推广金融科技,缩小群体间数字鸿沟,增强政策的包容性,使更多群体从数字金融中受益。The widespread adoption of fintech has significantly improved the financial health of Chinese residents,particularly in enhancing financial resilience and reducing financial anxiety.At the same time,the impact of fintech exhibits notable heterogeneity across different groups.The financial health improvement effects are more pronounced among males,high-income groups,and individuals with higher education levels.Compared to 2017,the use of fintech in 2021 more effectively alleviated residents' financial stress.The policy recommendations of this paper suggest further promotion of fintech,with an emphasis on addressing group disparities,narrowing the digital divide,and encouraging a broader range of individuals to benefit from digital financial technologies.

关 键 词：金融科技 居民金融健康 数字鸿沟 群体差异 

分 类 号：F832[经济管理—金融学]