数字金融素养何以推动农民农村共同富裕

How does Digital Financial Literacy Promote the Common Prosperity of Farmers and Rural Areas?

数字金融素养的提升有助于农村居民实现金融幸福,有助于实现农民农村共同富裕。文章基于中国家庭金融调查(CHFS)数据,从总体富裕和共享富裕两个层面选取代表性指标衡量农民农村共同富裕水平,应用双向固定效应模型实证检验数字金融素养对农民农村共同富裕的影响效应。结果显示:数字金融素养的提升显著促进农民农村共同富裕,而且对农村居民的总体富裕促进作用更显著;数字金融素养通过提升创业水平和增加社会资本促进农民农村共同富裕;数字基础设施建设和数字工具普及对数字金融素养促进农民农村共同富裕具有助推作用。研究结论为提升农村居民数字金融素养、消弭数字鸿沟进而实现农民农村共同富裕提供了经验证据和决策参考。

Financial support is indispensable to broaden the channels for rural residents to increase their income and wealth,improve the common degree of rural residents'prosperity,and achieve common prosperity.As a special human capital,financial literacy plays an important role in optimizing investment and financing decisions and increasing residents'property income.With the rapid development and widespread application of internet technology,the convenience and services brought by financial digitization are increasingly benefiting long-term groups such as farmers.Digital financial literacy is becoming a prerequisite for the effective use of digital financial services.Based on the data of China Household Finance Survey(CHFS)in 2017 and 2019,this paper selects representative indicators to measure the level of the common prosperity of farmers and rural areas from the two levels of overall prosperity and shared prosperity,and applies the two-way fixed effect model to empirically test the impact of digital financial literacy on the common prosperity of farmers and rural areas.The results show that,digital financial literacy can significantly promote the common prosperity of farmers and rural areas,and it has a more significant promoting effect on the overall prosperity of rural residents.Mechanism analysis shows that,digital financial literacy can promote the common prosperity of farmers and rural areas by improving their entrepreneurial level and increasing social capital.Further research finds that,the construction of digital infrastructure and the popularization of digital tools have a boosting effect on digital financial literacy to promote the common prosperity of farmers and rural areas.Thus,improving digital financial literacy can help to achieve the long-term goal of common prosperity.Specifically,regular education and training on financial knowledge and skills for rural residents should be strengthened to cultivate their digital financial literacy;farmers'awareness of financial risk prevention should be cultivated and enhanced to increase entrepreneurial income;rural residents should be encouraged to engage in financial information exchange to expand social capital;the construction of rural digital infrastructure should be improved and the popularization of digital tools should be accelerated to bridge the digital divide.