数字经济参与对家庭经济韧性的影响研究——基于CHFS的微观数据分析

Research on the Impact of Digital Economy Participation on Household Economic Resilience—Microdata Analysis Based on CHFS

摘要: 当前，数字经济发展欣欣向荣，正在成为家庭抵御风险的动力，其对家庭经济韧性的影响日益受到关注。基于西南财经大学中国家庭金融调查(CHFS) 2019年的数据，本研究深入探讨了数字经济参与如何影响家庭经济韧性，并分析了其作用机制。研究发现，数字经济参与对家庭经济韧性具有显著的正向影响，并且具有稳健性。作用机制表明，数字经济参与通过教育水平作用于家庭经济韧性。异质性分析显示，数字经济参与对东部、中部、西部、东北部地区以及男性户主家庭经济韧性的边际效应更大。因此，应该通过完善数字经济基础设施、提高家庭教育资源可获得性，提升数字经济参与能力，增强家庭经济韧性。

Abstract: At present, the development of the digital economy is thriving, which is becoming the driving force for households to cope with and resist risks, and its impact on household economic resilience has attracted increasing attention. Based on data from the 2019 China Household Finance Survey (CHFS) at Southwestern University of Finance and Economics, this study delves into how digital economy participation affects household economic resilience and analyzes its mechanism. The findings confirm that digital economy participation significantly enhances household economic resilience, with the results remaining robust across analyses. The mechanism of action shows that digital economy participation acts on household economic resilience through education level. The heterogeneity analysis reveals that digital economy participation exerts a stronger marginal impact on economic resilience in the eastern, central, western, and northeastern regions, as well as in male-headed households. Therefore, it is necessary to enhance digital economy participation capabilities and strengthen household economic resilience by improving the social infrastructure of the digital economy and increasing the availability of educational resources for families.