金融科技能否缓解居民家庭金融脆弱性?——基于CHFS数据的实证研究  

Does FinTech Mitigate the Financial Vulnerability of Households:An Empirical Study Based on CHFS Data

作　　者：周孟亮[1] 陆妍 ZHOU Mengliang;LU Yan(Hunan Agricultural University,Changsha 410128,Hunan,China)

机构地区：[1]湖南农业大学,湖南长沙410128

出　　处：《东北农业大学学报(社会科学版)》2025年第2期24-38,共15页Journal of Northeast Agricultural University:Social Science Edition

基　　金：国家社会科学基金项目“家庭农场融资约束纾解的‘双保险’增信模式研究”(23BJY167)。

摘　　要：金融科技作为金融与数字技术融合的产物,提升金融包容性的同时丰富了居民家庭投资选择。文章基于中国家庭金融调查(CHFS)数据,实证分析金融科技对缓解居民家庭金融脆弱性的影响效应。实证研究表明,金融科技能显著缓解居民家庭金融脆弱性,对于秦岭—淮河以南地区的居民家庭和低收入居民家庭而言,这种缓解作用更为明显。机制分析发现,金融科技还有助于提升金融素养、增加财产性收入和缓解信贷约束,进而缓解居民家庭金融脆弱性。基于此,为提升居民家庭的金融风险应对能力,应进一步促进并规范金融科技发展,创造家庭参与金融市场的优良条件;构建多元化金融服务体系,更好契合家庭财务规划;普及和加强金融教育,提升家庭金融素养与风险认知。Based on data from the China Household Finance Survey(CHFS),the association between fintech and the financial vulnerability of households was analyzed.The empirical study shows that fintech can significantly alleviate the financial vulnerability of households,and this alleviation is more obvious for households in the south Qinling-Huaihe region and low-income households.Mechanism analysis finds that fintech also helps to improve financial literacy,increase property income and alleviate credit constraints,thus alleviating the financial vulnerability of resident households.Based on this,in order to enhance the financial risk coping capacity of households,it is recommended to further promote and regulate the development of financial technology to create excellent conditions for households to participate in the financial market;build a diversified financial service system to better fit the financial planning of households;and strengthen financial education to enhance the financial literacy and risk awareness of households.

关 键 词：金融科技 家庭金融 脆弱性 

分 类 号：F832[经济管理—金融学]