数字金融素养赋能平台从业者家庭经济韧性的研究综述及展望

A Review and Prospect of Research on Family Economic Resilience of Digital Financial Literacy Empowerment Platform Practitioners

摘要: 随着数字经济的快速发展，依托平台经济灵活就业的从业者群体规模日益壮大，但其家庭普遍面临收入不稳定、保障不足等挑战，经济韧性亟待提升。在此背景下，数字金融素养作为个体在数字化环境中管理财务的关键能力，被视为赋能家庭的重要途径。本文系统梳理了国内外关于数字金融素养赋能平台从业者家庭经济韧性的研究成果，将平台从业者按技能水平与平台依赖度进行类型化区分，融入数字资本、风险社会等理论强化分析逻辑，厘清数字金融素养赋能平台从业者家庭经济韧性的作用路径与异质性效果，深入探讨数字金融素养的“双刃剑”效应，并针对性剖析现有研究在核心概念测量、因果识别、机制分析等方面的不足。最后提出未来研究应深化平台情境机制、创新研究方法，同时构建多元主体协同保障体系，为提升平台从业者家庭经济韧性提供理论参考与实践方向。

Abstract: With the rapid development of the digital economy, the number of practitioners relying on the platform economy for flexible employment is growing. However, their families generally face challenges such as unstable income and insufficient security, and economic resilience needs to be improved urgently. In this context, digital financial nourishment, as a key ability for individuals to manage finances in a digital environment, is regarded as an important way to empower families. This paper systematically reviews the domestic and foreign research results on the family economic resilience of digital financial literacy empowerment platform practitioners, classifies platform practitioners according to their technical level and platform dependence, and integrates theories such as digital capital and risk society to strengthen the analysis. Logic, clarify the action path and heterogeneous effects of family economic resilience of digital financial literacy empowerment platform practitioners, and deeply explore the “double-edged sword” effect of digital finance nourishment. It also analyzes the shortcomings of existing research in core concept measurement, causality identification, mechanism analysis, etc. Finally, it is proposed that future research should deepen the platform context mechanism and innovate research methods, and at the same time build a multi-subject collaborative protection system to provide theoretical reference and practical direction for improving the economic resilience of platform practitioners’ families.