贫困脆弱性视角下数字金融减贫的影响效应分析
Analysis of the impact effect of digital finance on poverty reduction from the perspective of poverty vulnerability
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| DOI |
10.12208/j.aif.20250006 |
| 刊名 |
Advances in International Finance
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| 年，卷(期) |
2025, 7(1) |
| 作者 |
|
| 作者单位 |
上海财经大学 上海,上海财经大学 上海
|
| 摘要 |
本文利用CHFS数据和普惠金融指数，探究了数字金融降低贫困脆弱性的影响效应和作用机制。研究表明，数字金融的发展显著降低了家庭未来陷入贫困的概率，并通过平滑消费——积累要素机，金融素养等中介机制发挥关键作用，这为充分发挥数字金融的减贫效用提供相应了的启示。
|
| Abstract |
This paper uses CHFS data and financial inclusion index to explore the impact effect and mechanism of digital finance in reducing poverty vulnerability. The research shows that the development of digital finance significantly reduces the probability of households falling into poverty in the future, and plays a key role through intermediary mechanisms such as smoothing consumption, accumulation factor machine, and financial literacy, which provides corresponding enlightenment for giving full play to the poverty alleviation effect of digital finance.
|
| 关键词 |
数字金融；家庭贫困脆弱性；作用机制
|
| KeyWord |
Digital finance; Household poverty; Vulnerability; Mechanism of action
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| 基金项目 |
|
| 页码 |
37-40 |
欧阳优子*,邱雯婷.
贫困脆弱性视角下数字金融减贫的影响效应分析 [J].
国际金融进展.
2025; 7; (1).
37 - 40.