数字金融对家庭经济韧性的影响研究

Research on the Impact of Digital Finance on Household Economic Resilience

本文基于中国家庭金融调查(CHFS)2017年和2019年数据,通过构建家庭经济韧性指标,运用实证检验数字金融对于家庭经济韧性的影响及作用机制。研究结论如下:数字金融能够显著提高家庭经济韧性,增强家庭面对冲击的抵御、适应和恢复能力,从而降低家庭经济脆弱性。数字金融主要通过提高家庭就业水平并促使家庭持有金融理财产品来实现对家庭经济韧性的增强效应,这一效应对于乡村地区、男性户主家庭作用更为明显。

This article is based on data from the China Household Finance Survey(CHFS)in 2017 and 2019,constructing indicators of household economic resilience,and empirically testing the impact and mechanism of digital fi nance on household economic resilience.The research conclusion is as follows:Digital fi nance can significantly improve household economic resilience,enhance their ability to withstand,adapt,and recover from shocks,thereby reducing household economic vulnerability.Digital fi nance mainly enhances the economic resilience of households by improving their employment levels and encouraging them to hold fi nancial products.This effect is more pronounced in rural areas and male headed households.