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互联网使用是否减轻了家庭的财务脆弱性? 基于中国家庭小组研究 (CFPS) 的小组数据的经验分析
Zeliang Yu1,2, Heyu Li2, Pei Guo1
1College of Economics and Management, China Agricultural University, Beijing, China.
PloS one
|February 20, 2026
概括
通过提高收入,财富和风险管理,互联网使用显著降低了家庭的财务脆弱性. 这种数字效益在农村和西部地区更为明显,凸显了公平数字接入的必要性.
科学领域:
- 数字经济学数字经济学
- 家庭金融 家庭金融
- 社会经济学研究 社会经济学研究
背景情况:
- 数字技术越来越多地影响家庭的财务行为和弹性.
- 了解互联网在缓解金融冲击中的作用是一个关键的政策和研究领域.
- 家庭的金融脆弱性对经济稳定构成重大风险.
研究的目的:
- 研究互联网使用对家庭财务脆弱性的影响.
- 探索互联网使用如何影响金融性的机制.
- 识别互联网使用减轻影响的人口和区域差异.
主要方法:
- 利用了2016年,2018年和2020年的中国家庭小组研究 (CFPS) 的面板数据.
- 采用计量经济学技术来分析互联网使用与金融脆弱性之间的关系,包括内源性纠正.
- 进行了机制和异质性分析,以了解路径和差异效应.
主要成果:
- 发现使用互联网显著降低了家庭财务脆弱性的可能性和严重性.
- 缓解效应通过增加收入增长,增强财富积累和改善风险管理能力来发挥作用.
- 在西部地区,农村地区以及60岁以下的家庭中,观察到更强的缓解效应.
结论:
- 数字化发展,包括基础设施和识字,可以大大减少金融脆弱性.
- 技术驱动的金融产品可以提高家庭的收入,财富和风险管理.
- 优先考虑公平的数字进步对于减少数字沟和系统性金融风险至关重要.
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