Study On The Impact Of Digital Finance Use On Financial Vulnerability Of Rural Households——Empirical Analysis Based on the Chinese Household Finance Survey
To prevent financial risks of rural families is an important link to prevent and resolve major financial risks.Based on Chi-nese household finance survey data,this paper takes rural households as research objects to explore the impact of digital finance use on rural households'financial vulnerability.The study found that the use of digital finance by farmers can significantly reduce household financial vulnerability.Mechanism analysis shows that the use of digital finance indirectly reduces the financial vulnera-bility of rural households by promoting non-agricultural employment and entrepreneurship levels of rural households,improving their financial literacy and insurance participation,and directly reduces the financial vulnerability of rural households by increas-ing their relative income and net worth.Heterogeneity analysis shows that the marginal effect of digital financial use on rural house-hold financial vulnerability exists in the"digital gap"among households with different characteristics,and the impact of different types of digital financial use on rural household financial vulnerability is also different.The conclusion of this paper provides policy reference for the use of digital finance to serve the development of rural areas and prevent and resolve the financial risks of rural families.
digital finance usefinancial vulnerability of rural householdsdigital gapfinancial risk
NETL
NSTL
万方数据
