经济与管理研究2026，Vol.47Issue(8)：87-101,15.DOI:10.13502/j.cnki.issn1000-7636.2026.08.006
数字素养与农户数字金融使用
Digital Literacy and Farmers' Use of Digital Finance
摘要
Abstract
In the digital economy,digital literacy has become a fundamental skill and essential capability for bridging the digital divide and sharing the benefits of digital development.Using data from the 2021 China Rural Economy and Rural Finance Survey,this paper constructs a household-level digital literacy index to measure farmers' use of digital finance from three dimensions:participation,breadth,and depth.It employs the Probit,Poisson,and OLS models for empirical analysis and applies multiple estimation methods to address potential endogeneity.It also examines the transmission mechanisms through which digital literacy affects farmers' use of digital finance from the perspectives of tool exclusion and self-exclusion,and further investigates heterogeneity across different types of digital literacy,income groups,and financial products. The findings show that digital literacy increases the probability that farmers use digital finance and expands both the breadth and depth of use.Compared with applied digital literacy,general digital literacy has a stronger effect,indicating that basic digital capabilities such as device access,information search,software operation,and online communication remain essential prerequisites for farmers' participation in digital financial activities.Mechanism analysis shows that digital literacy can alleviate tool exclusion by improving farmers' ability to operate digital financial applications and reduce self-exclusion by enhancing their financial knowledge,information acquisition capabilities,and risk identification capabilities. Heterogeneity analysis shows that digital literacy promotes the use of digital finance among both relatively poor and non-poor rural households,but its effects are weaker among relatively poor households,especially in terms of use depth.At the product level,digital literacy can promote farmers' use of digital payments,digital credit,online wealth management,and credit authorization,but has no significant effect on digital insurance. The marginal contribution of this paper lies in incorporating digital literacy into the analytical framework of farmers' digital financial behavior,and in identifying tool exclusion and self-exclusion as two key mechanisms linking digital literacy to financial participation.The findings suggest that promoting the high-quality development of rural inclusive finance should not rely solely on infrastructure expansion or the supply of financial products,but should also place greater emphasis on building farmers' digital capabilities.To advance inclusive finance,policy efforts should focus on continuously improving farmers' general digital literacy,enhancing the operability,age-friendliness,and rural adaptability of digital financial applications,strengthening financial knowledge dissemination and digital risk education,and designing more inclusive digital financial products,so that rural residents can share the benefits of digital financial development on a more equal basis.关键词
数字素养/数字金融使用/行为决策/产品选择/普惠金融Key words
digital literacy/use of digital finance/behavioral decision/product selection/inclusive finance分类
管理科学引用本文复制引用
张馨月,刘渊博,温涛..数字素养与农户数字金融使用[J].经济与管理研究,2026,47(8):87-101,15.基金项目
教育部哲学社会科学研究后期资助重大项目"中国特色农村金融反贫困的理论与实践经验研究"(23JHQ010) （23JHQ010）
国家资助博士后研究人员计划"数字金融赋能县域富民产业的作用机制与实现路径研究"(GZC20251602) （GZC20251602）
中国博士后科学基金面上资助项目"财政金融协同提升乡村特色产业联农带农效能的机制与路径研究"(2026M792644) （2026M792644）
