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数字时代居民金融素养对城乡收入差距的影响研究

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从共同富裕的视域出发,阐述数字时代下城乡居民金融素养影响城乡收入差距的内在逻辑和传导路径,并利用CHFS(2019)数据进行实证检验.研究发现,整体上居民金融素养的提高可以缩小城乡收入差距,且在东中部地区、非高等教育群体以及低收入群体中表现得更为明显.家庭金融资产配置在居民金融素养对城乡收入差距的影响中具有显著的中介效应,数字金融和区域金融发展水平具有正向调节作用.缩小城乡收入差距,实现数字时代的共同富裕目标,应多渠道、全方位提高城乡居民金融素养,完善金融体系,推动数字金融发展,增加居民金融资产投资渠道.
Study on the Impact of Residents'Financial Literacy on Rural-Urban Income Gap in the Digital Era
From the perspective of common wealth,the internal logic and transmission path of financial literacy of urban and rural residents affecting the urban-rural income gap in the digital era are elaborated and empirically tested using CHFS(2019)data in this paper.The study found that the overall increase in financial literacy of the population can reduce the urban-rural income gap,and is more pronounced in the east-central region,among non-tertiary educa-tion groups,and among low-income groups.Household financial asset allocation has a significant mediating effect in the impact of residents'financial literacy on the urban-rural income gap,and the level of digital finance and regional fi-nancial development has a positive moderating effect.To narrow the income gap between urban and rural areas and real-ize the goal of common wealth in the digital era,we should improve the financial literacy of urban and rural residents through multiple channels and in an all-round way,improve the financial system,promote the development of digital finance,and increase the channels for residents to invest in financial assets.

digital agefinancial literacyurban-rural income gaphousehold financial asset allocation

安强身、刘佳利

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济南大学商学院,山东 济南 250002

数字时代 金融素养 城乡收入差距 家庭金融资产配置

2024

金融发展研究
山东省金融学会

金融发展研究

CHSSCD北大核心
影响因子:0.55
ISSN:1674-2265
年,卷(期):2024.(8)