数字金融素养对农户消费的影响——基于CHFS2019的实证研究

The Impact of Digital Financial Literacy on Rural Household Consumption—Evidence from CHFS2019 Data

摘要: 本文基于2019年中国家庭金融调查数据，实证检验了数字金融素养对农户消费的影响及作用机制。研究发现，数字金融素养能够显著提升农户消费水平。中介效应检验揭示，数字支付使用与家庭财富积累是两条重要的传导路径，数字金融素养既通过提升支付便利性直接刺激消费，也通过促进财富积累间接增强消费能力。本研究强调了提升农户数字金融素养的重要性，为激发农村消费活力提供了经验证据与政策启示。

Abstract: Based on data from the 2019 China Household Finance Survey, this study empirically examines the impact of digital financial literacy on rural household consumption and its underlying mechanisms. The findings reveal that digital financial literacy significantly enhances household consumption levels. Mediation effect tests indicate that the use of digital payments and household wealth accumulation serve as two critical transmission channels. Specifically, digital financial literacy not only directly stimulates consumption by improving payment convenience but also indirectly strengthens consumption capacity by promoting wealth accumulation. This research underscores the importance of improving rural households’ digital financial literacy, offering empirical evidence and policy insights for stimulating rural consumption vitality.