金融素养如何缓解农户数字金融排斥?——基于CHFS微观数据的分析

How Does Financial Literacy Alleviate Farmers’Digital Financial Exclusion?Analysis Based on CHFS Data

农户数字金融排斥是发展农村数字普惠金融需解决的核心问题。金融素养作为农户金融决策和金融行为的关键影响因素如何缓解其面临的数字金融排斥?在理论分析的基础上,基于2019年中国家庭金融调查数据构建Probit、Ivprobit等模型进行实证分析。研究发现:金融素养能显著地缓解农户数字金融排斥;农户金融素养的数字金融排斥缓解效应具有异质性,对我国东部地区、相对非贫困群体以及非传统金融排斥群体的影响更大;金融素养通过增强农户对金融信息的关注度以及风险偏好程度而缓解数字金融排斥;进一步研究表明,金融素养对农户数字支付排斥、数字理财排斥和数字信贷排斥三个维度具有不同程度的负向影响。鉴于此,需要多渠道地采用差异化措施,提升农民金融素养。

The rural households’digital financial exclusion is the core issue that needs to be addressed in the development of rural digital inclusive finance.How can financial literacy,as a key influencing factor for farmers’financial decisions and behavior,alleviate the digital financial exclusion they face?Based on the theoretical analysis,the empirical analysis is conducted by constructing Probit,Ivprobit and other models using the 2019 Chinese household financial survey data.The results show that:financial literacy can significantly alleviate farmers’digital financial exclusion;the alleviation effect of financial literacy on digital financial exclusion is heterogeneous,with a greater impact on the eastern region of China,relatively non-poor groups,and non-traditional financial exclusion groups;financial literacy alleviates digital financial exclusion by enhancing farmers’attention to financial information and risk preference;further research indicates that financial literacy has a significant negative impact on rural households’digital payment exclusion,digital investment exclusion,and digital credit exclusion,but the degree of impact varies.Thus,it is necessary to enhance farmers’financial literacy through multiple and targeted measures.