居民数字金融素养度量及其影响因素研究——基于2022年中国居民数字金融素养问卷调查数据的实证检验

The Study on Measurement and Influencing Factors of Residents Digital Financial Literacy:An Empirical Test Based on the 2022 Chinese Residents Digital Finance Literacy Questionnaire Survey s Data

数字金融素养是数字经济时代体现金融素养的新维度和新领域,也是在微观层面衡量数字普惠金融发展的重要指标。本研究以Lyons和Kass-Hanna对数字金融素养的分析框架为基础,利用1506位中国居民数字金融素养问卷调研数据,采用主成分分析确定了中国居民数字金融素养的构成维度,并通过多元回归分析实证检验了个体因素与家庭环境因素对居民数字金融素养的影响。结果显示:中国居民数字金融素养由金融知识、数字知识、数字金融可得性意识、数字金融参与性意识、数字金融使用技能和数字金融维权意识等六个维度构成;性别、教育水平、经管课程学习、个人收入、身体健康水平、家庭财商培养和家庭金融氛围等因素对居民数字金融素养水平存在正向影响,年龄因素对居民数字金融素养存在负向影响。本研究拓展了数字金融素养理论的应用边界,丰富了中国居民数字金融素养的相关文献,研究结论可以为提升我国居民数字金融素养提供理论依据和实践指导。

Digital financial literacy is a new dimension and field that reflects financial literacy in the era of digital economy,and is also an important indicator for measuring the development of digital inclusive finance at the micro level.Based on the analytical framework of Lyons and Kass-Hanna on digital financial literacy,this study used data from a survey of 1506 Chinese residents digital financial literacy to determine the dimensions of Chinese residents digital financial literacy by principal component analysis and empirically test the impact of personal factors and family environmental factors on residents digital financial literacy by multiple regression analysis.The results show that Chinese residents digital financial literacy is composed of six dimensions,including financial knowledge,digital knowledge,awareness of accessibility,awareness of participation,skills in the financial courses and awareness of safeguarding rights.Factors such as gender,education,business course learning,personal income,subjective health assessment,family cultivation of financial quotient and family financial atmosphere have a positive impact on residents digital financial literacy level,while age has a negative impact.According to these results,this study expands the application boundaries of digital financial literacy theory,enriches the references relevant to Chinese residents digital financial literacy.The research conclusions also provide theoretical and practical basis for improving the digital financial literacy of Chinese residents.