管理学刊2025，Vol.38Issue(5)：103-119,17.DOI:10.19808/j.cnki.41-1408/F.2025.0051
数字金融对家庭多维脆弱性的影响研究
The Impact of Digital Finance on Household Multidimensional Vulnerability:A Study on the Dual-Wheel Driving Effect of Development and Utilization
摘要
Abstract
The emergence of digital finance has profoundly changed the economic behaviour of households and had a significant impact on their multidimensional vulnerability.In contrast to the existing literature,which studies the economic consequences of digital finance from the perspective of its development,this paper attempts to construct a double-wheel-drive analytical framework of development and utilization in the context of the use of digital finance,and systematically deconstructs the transmission paths through which digital finance act on household multidimensional vulnerability.The study found that digital finance is effective in reducing the household multidimensional vulnerability,with increased economic opportunities,enhanced economic capabilities and improved economic outcomes being the main channels through which these effects occur.The effects of digital finance development and digital finance use vary significantly across households with different headship,family and regional characteristics,but the two have complementary effects.Further comparisons of the effects of digital finance on different vulnerability dimensions and different use cases reveal that,on the one hand,while digital finance helps to alleviate households' work vulnerability,wage vulnerability,financial vulnerability,and absolute poverty vulnerability,it does little to alleviate relative poverty vulnerability;and on the other hand,the use of digital borrowing and lending does not reduce household multidimensional vulnerability.This paper has important implications for optimizing the top-level design of digital finance policies and building a synergistic mechanism for the high-quality development and efficient use of digital finance to help prevent and mitigate risks in the household sector.关键词
数字金融/家庭多维脆弱性/数字金融发展/数字金融使用Key words
digital finance/household multidimensional vulnerability/digital finance development/digital finance utilization/complementary effect分类
经济学引用本文复制引用
韩民春,黄磊,毛春英,饶玉蕾..数字金融对家庭多维脆弱性的影响研究[J].管理学刊,2025,38(5):103-119,17.基金项目
国家社科基金重大项目"经济高质量发展的指标体系构建与测度研究"(24&ZD062) （24&ZD062）
中央高校基本科研业务费资助项目(2025JYCXJJ043). （2025JYCXJJ043）
