摘要
在数字经济快速发展的新阶段,金融素养和社会信任可以影响家庭金融决策,是提升农户数字金融资源可获得性的重要因素。通过中国家庭金融调查(CHFS)数据研究发现,金融素养和社会信任均能促进农户的数字金融参与,金融素养水平及社会信任水平越高的农户越倾向参与数字金融,且越倾向参与更多种类的数字金融。进一步研究发现,金融素养和社会信任对农户的数字支付使用深度都有显著正向影响,且对不同风险态度、年龄段、是否为相对贫困群体以及不同地区的影响存在明显差异。因此,本文建议加强农村地区金融教育普及,完善农村信用体系建设,以提高农户的金融素养和社会信任水平,从而提升农户数字金融参与,使数字金融能更有效服务“三农”发展。
In the new stage of rapid development of the digital economy,financial literacy and social trust,which can influence household financial decisions,are important factors in enhancing the accessibility of digital financial resources for farmers.Using the China Household Finance Survey(CHFS)data,the study finds that both financial literacy and social trust have significant positive effect on farmers participation in digital finance behaviors,and farmers with higher levels of financial literacy and social trust in others were more inclined to participate in digital finance and various types of digital finance.The study also finds the significant positive effect of both financial literacy and social trust on the depth of digital payment use among farmers,and significant differences in the effects of different risk attitudes,age groups,and whether they are relatively poor groups and regions.Therefore,this study suggests the necessity of strengthening financial education in rural areas and improving the construction of rural credit system to improve farmers financial literacy and social trust to enhance farmers digital financial participation and make digital finance effectively serve the development of“three rural areas”.
作者
温涛
刘亭廷
WEN Tao;LIU Tingting(College of Economics and Management,Southwest University,Chongqing 400715,China)
出处
《西南大学学报（社会科学版）》
CSSCI
北大核心
2023年第1期85-100,共16页
Journal of Southwest University(Social Sciences Edition)
基金
国家社会科学基金重大项目“实现巩固拓展脱贫攻坚成果同乡村振兴有效衔接研究”(21ZDA062),项目负责人:温涛
国家社会科学基金重点项目“建立解决相对贫困的制度体系与长效机制研究”(20AZD080),项目负责任:温涛。
关键词
金融素养
社会信任
数字金融参与
financial literacy
social trust
digital finance participation
