| 摘要: |
| 财富是富裕的题中之义。针对农村家庭财富水平亟需提升的现实,采用中国家庭金融调查(CHFS)数据,通过克服内生性的工具变量估计,探讨了数字金融素养对农村家庭财富积累的影响效应和作用机制。研究发现：数字金融素养可以有效促进农村家庭财富积累；缓解流动性约束、提升社会资本以及促进非农就业是数字金融素养影响农村家庭财富积累的三条重要渠道；进一步分析表明,财富规模越小的农村家庭,提升数字金融素养产生的创富作用越大,并且经济欠发达地区、低数字基础设施建设地区、低物质资本和低人力资本的农村家庭提升数字金融素养能够产生更大的创富作用。因此,开展数字金融教育活动,推进数字金融下乡,是提升农村家庭财富水平,促进农村地区共享发展成果,进而实现乡村振兴和共同富裕的重要政策手段。 |
| 关键词: 数字金融素养 农村家庭财富 财富不平等 共同富裕 影响机制 |
| DOI： |
| 分类号:F832.5 |
| 基金项目:国家社科基金一般项目“数字普惠金融赋能乡村振兴的模式创新与政策优化研究”（编号：22BJY005）；广东省自科基金面上项目“双重绩效目标下数字普惠金融反返贫：功能、服务与机制设计”（编号：2021A1515011926） |
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| Digital Financial Literacy, Rural Household Wealth Accumulation and Common Prosperity of Farmers and Rural Areas |
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华南农业大学
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| Abstract: |
| Wealth is the meaning of wealth. In view of the reality that the level of rural household wealth needs to be improved urgently, this paper adopts the data of China Household Finance Survey (CHFS) and discusses the influence and mechanism of digital financial literacy on rural household wealth accumulation by overcoming the estimation of endogenous instrumental variables. The results show that digital financial literacy can effectively promote rural family wealth accumulation; Easing liquidity constraints, improving social capital and promoting non-agricultural employment are three important channels through which digital financial literacy affects rural household wealth accumulation. Further analysis shows that the smaller the wealth scale of rural households, the greater the wealth creation effect of improving digital financial literacy. In addition, the improvement of digital financial literacy of rural households in less developed areas, low digital infrastructure construction areas, low physical capital and low human capital can have a greater wealth creation effect. Therefore, to carry out digital financial education activities and promote digital finance to the countryside is an important policy means to improve the wealth level of rural households, promote the sharing of development results in rural areas, and then achieve rural revitalization and common prosperity. |
| Key words: Digital financial literacy Rural household wealth Wealth inequality Common prosperity Influence mechanism |