数字鸿沟对家庭财富积累的影响

IF 7.4 2区经济学 Q1 BUSINESS, FINANCE

Finance Research Letters Pub Date : 2025-07-08 DOI:10.1016/j.frl.2025.107934

Zhe Li , Chuyu Zhi , Qinghai Li , Hua Qin

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引用次数: 0

摘要

随着数字经济的快速发展，数字鸿沟日益突出，成为影响家庭财富积累的关键因素。根据2019年中国家庭金融调查（CHFS）的数据，本研究探讨了数字鸿沟对家庭财富积累的影响及其潜在机制。结果表明，数字鸿沟显著抑制了家庭财富积累。这种不利影响在城镇居民、东部地区和市场化程度较高的地区尤为明显。机制分析表明，数字鸿沟通过阻碍信贷获取和减少社会互动对财富积累产生负面影响。这一发现凸显了数字鸿沟对经济不平等的深远影响，并为缓解数字鸿沟和促进共同繁荣提供了重要的政策见解。

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The impact of the digital divide on household wealth accumulation

As the digital economy evolves rapidly, the digital divide has become increasingly salient and emerged as a pivotal factor influencing household wealth accumulation. Drawing on data from the 2019 China Household Finance Survey (CHFS), this study examines the impact of the digital divide on household wealth accumulation and its underlying mechanisms. The results demonstrate that the digital divide significantly curtails household wealth accumulation. This adverse effect is particularly pronounced among urban residents, those in the eastern regions, and areas with higher levels of marketization. Mechanism analysis indicates that the digital divide exerts a negative influence on wealth accumulation by impeding access to credit and diminishing social interactions. This finding underscores the profound impact of the digital divide on economic inequality and offers crucial policy insights for mitigating the digital divide and fostering common prosperity.

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来源期刊

Finance Research Letters BUSINESS, FINANCE-

CiteScore

11.10

自引率

14.40%

发文量

863

期刊介绍： Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies. Papers are invited in the following areas: Actuarial studies Alternative investments Asset Pricing Bankruptcy and liquidation Banks and other Depository Institutions Behavioral and experimental finance Bibliometric and Scientometric studies of finance Capital budgeting and corporate investment Capital markets and accounting Capital structure and payout policy Commodities Contagion, crises and interdependence Corporate governance Credit and fixed income markets and instruments Derivatives Emerging markets Energy Finance and Energy Markets Financial Econometrics Financial History Financial intermediation and money markets Financial markets and marketplaces Financial Mathematics and Econophysics Financial Regulation and Law Forecasting Frontier market studies International Finance Market efficiency, event studies Mergers, acquisitions and the market for corporate control Micro Finance Institutions Microstructure Non-bank Financial Institutions Personal Finance Portfolio choice and investing Real estate finance and investing Risk SME, Family and Entrepreneurial Finance