Analysis of the impact effect of digital finance on poverty reduction from the perspective of poverty vulnerability
贫困脆弱性视角下数字金融减贫的影响效应分析

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.