| 数字金融素养对农村家庭经济韧性的影响研究 |
 点此下载全文 |
| 引用本文：罗荷花，刘慧婷，雷雨亮.数字金融素养对农村家庭经济韧性的影响研究[J].财经理论与实践,2025,(1):12-18 |
| 摘要点击次数: 127 |
| 全文下载次数: 72 |
|
|
| 中文摘要:依据2017年、2019年中国家庭金融调查数据（CHFS），运用OLS模型、中介效应模型和调节效应模型，考量数字金融素养对农村家庭经济韧性的影响及其机制。研究发现：数字金融素养通过促进农村家庭实现非农就业转移、优化金融资产配置和提高家庭风险抵御能力提升农村家庭经济韧性；数字金融素养对数字乡村发展程度高地区农村家庭、“长尾”农村家庭的经济韧性影响更大。鉴于此，需完善农村数字基础设施建设、普及数字金融知识常态化教育培训等，不断提高数字金融素养，推动农村家庭经济韧性进一步提升。 |
| 中文关键词:数字金融素养 经济韧性 非农就业 金融资产配置 |
| |
| Research on the Impact of Digital Financial Literacy on Rural Household Economic Resilience |
|
|
| Abstract:Based on the 2017 and 2019 China Household Finance Survey (CHFS) data, this study explores the impact and mechanism of digital financial literacy on rural household economic resilience using OLS model, mediation effect model, and moderation effect model. Research has found that digital financial literacy enhances the economic resilience of rural households by promoting the transfer of non-agricultural employment, optimizing financial asset allocation, and enhancing their ability to resist risks. Digital financial literacy has a greater impact on the economic resilience of rural households in high digital rural development areas and “long tail” rural households. In view of this, it is necessary to improve the construction of rural digital infrastructure, popularize regular education and training on digital finance knowledge, in order to continuously improve digital finance literacy and promote the economic resilience of rural households. |
| keywords:digital financial literacy economic resilience non-agricultural employment financial asset allocation |
| 查看全文 查看/发表评论 下载pdf阅读器 |
