金融素养对居民劳动供给的影响研究——基于家庭追踪调查数据的实证检验

The Influence of Financial Literacy on Residents'Labor Supply:An Empirical Study Based on CFPS

稳就业是当前经济工作的重中之重,通过利用中国家庭追踪调查数据(CFPS)研究金融素养对劳动供给的影响,发现:第一,金融素养与劳动供给时间、劳动供给质量均显著正相关,这一结论在经过一系列稳健性检验后依然成立;第二,金融素养能够通过提升工作收入与数字普惠金融发展而增加劳动供给;第三,初级金融素养与高级金融素养均会对劳动供给产生差别不大的正向影响。促就业需要重视金融素养的作用,提高金融素养可以增加居民收入,加快普惠金融发展,改善就业状况。

Stabilizing employment is of uppermost priority in current economic work.This paper explores the impact of financial literacy on labor supply by analyzing China Family Panel Studies(CFPS).The three conclusions are as fllows.Firstly,financial literacy shows a significantly positive correlation with labor supply time and labor supply quality,and the conclusion still works after a series of robustness tests.Secondly,financial literacy can increase labor supply by raising income and improving digital inclusive finance.Finally,both basic financial literacy and advanced financial literacy have a positive impact on labor supply,and the impacts are about the same.We should pay attention to the role of financial literacy in promoting employment,which is conducive to increasing the residents'income and accelerating inclusive financial development and improving employment.