山西农业大学学报（社会科学版）2026，Vol.25Issue(1)：94-106,13.DOI:10.13842/j.cnki.issn1671-816X.2026.01.009
数字金融素养何以缓解农户家庭财务脆弱性?
How can digital financial literacy alleviate the financial vulnerability of farming households——Empiri-cal research based on CHFS data
摘要
Abstract
Based on the data of China Household Finance Survey(CHFS),a four-dimensional framework of financial knowl-edge and skills,digital access,digital financial application ability,risk preference and management ability is constructed to mea-sure farmers'digital financial literacy by factor analysis.And a Probit model is established to empirically examine the impact and underlying mechanisms of digital financial literacy in alleviating farming households'financial vulnerability.The results show that a one-unit increase in digital financial literacy significantly reduces the probability of financial vulnerability among farming house-holds by 13.4%.In terms of its mechanism of action,digital financial literacy improves household asset allocation,enhances in-come generation,and strengthens risk management capabilities,thereby helping to mitigate financial vulnerability among farming households.Furthermore,heterogeneity analysis reveals that the positive effects of digital financial literacy are more pronounced in central and western regions,among households with higher wealth levels and a larger proportion of the labor force.Therefore,it is recommended to intensify digital financial literacy education for farmers;enhance the guiding role of digital financial literacy in optimizing household asset allocation,increasing farmers'income,and managing risks;and develop differentiated strategies based on regional and farmer characteristics.This will ensure the maximized promotion of digital financial literacy in enhancing the financial health of farming households.关键词
数字金融素养/农户家庭财务脆弱性/风险管理能力Key words
Digital financial literacy/Financial vulnerability of rural households/Risk management capabilitie分类
管理科学引用本文复制引用
李莉,黄森慰,林俊杰..数字金融素养何以缓解农户家庭财务脆弱性?[J].山西农业大学学报（社会科学版）,2026,25(1):94-106,13.基金项目
2024年国家社科基金重点项目"农村环境保护的社会机制研究"(24ASH010) （24ASH010）
2024年福建省社会科学基金项目"数字金融素养对农村家庭财务脆弱性的影响研究"(FJ2024BF044) （FJ2024BF044）
