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数字金融背景下数字赋能提升农村妇女应对家庭金融风险能力的路径研究

Research on the Path of Digital Empowerment to Improve Rural Women’s Ability to Cope with Household Financial Risks in the Context of Digital Finance
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摘要 本文基于2019年中国家庭金融调查数据(CHFS)的数据,对数字金融和数字赋能在提升农村家庭和农村女性的金融风险应对能力以及金融素养发挥的重要作用做了详尽分析。研究发现,数字金融的快速发展能够在一定程度上克服传统金融在农村地区的问题,降低金融准入门槛,缩小城乡数字鸿沟,发挥数字金融普惠性的优势,通过数字赋能提升农村女性金融素养以及数字化水平,有利于购买金融产品,享受金融服务,更好地应对家庭金融风险。此外,大力发展数字金融,提高农村妇女的数字技能,助力家庭资产管理,提升家庭金融风险承受水平;同时,数字金融在农村的发展也有助于扩展家庭经济活动和收入来源,增强家庭收入稳定性,持续推动乡村振兴的发展,稳固脱贫攻坚成果。因此,应当大力推进数字金融在农村地区的发展,发挥数字赋能优势,提升农村女性金融素养,增强家庭金融风险应对能力和水平。 This article provides a detailed analysis based on the data from the 2019 China Household Finance Survey (CHFS) on the important role of digital finance and digital empowerment in enhancing the financial risk management capabilities of rural households and rural women, as well as the development of financial literacy. The study found that the rapid development of digital finance can to some extent overcome the problems of traditional finance in rural areas, reduce the threshold for financial access, narrow the urban-rural digital divide, and leverage the inclusive advantages of digital finance. Empowering rural women with digital tools enhances their financial literacy and digital skills, which is beneficial for purchasing financial products, accessing financial services, and better coping with household financial risks. Furthermore, the vigorous development of digital finance can improve the digital skills of rural women, help in household asset management, and enhance the ability of households to withstand financial risks. At the same time, the development of digital finance in rural areas also contributes to the expansion of household economic activities and income sources, strengthens the stability of household income, and continuously promotes the development of rural revitalization, consolidating the achievements in poverty alleviation. Therefore, it is necessary to vigorously promote the development of digital finance in rural areas, leverage the advantages of digital empowerment, enhance the financial literacy of rural women, and strengthen the capabilities and levels of household financial risk management.
出处 《金融》 2024年第3期1176-1192,共17页 Finance
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