数字普惠金融对居民金融素养的影响研究

Research on the Impact of Digital Inclusive Finance on Residents'Financial Literacy

据央视相关报道内容公布,我国居民金融素养日渐提升,但在提升过程中仍存在一些问题亟需解决,如在保险、贷款等方面仍有不足,群体掌握水平参差不齐等。论文通过分析影响我国居民金融素养水平提升的相关机制,总结了数字化技术普及的今天对消费者金融素养水平提升带来的机遇与挑战,提出了数字普惠金融环境下提升我国居民金融素养水平的建议,以期对我国消费者金融素养水平整体提升产生科学、良好的借鉴价值,有助于对今后数字普惠金融相关研究提供理论参考依据。

According to the relevant report content of CCTV,the financial literacy of Chinese residents is improving day by day,but there are still some problems to be solved in the process of improving,such as the insufficiency of insurance,loans and other aspects,and the uneven level of group mastery.By analyzing the relevant mechanisms that affect the improvement of Chinese residents'financial literacy,the paper summarizes the opportunities and challenges that the popularization of digital technology brings to the improvement of consumers'financial literacy,puts forward some suggestions to improve the financial literacy of Chinese residents under the environment of digital inclusive finance,so as to produce scientific and good reference value for the overall improvement of the financial literacy of Chinese consumers.This is helpful to provide theoretical reference for future research on digital inclusive finance.