基于2022年中国家庭跟踪调查（CFPS）数据，运用OLS模型实证检验数字金融对农村家庭生计韧性的影响及其机制。研究发现：数字金融对农村家庭生计韧性产生显著的正向影响；数字金融通过促进家庭创业有效性和促进金融资本积累提升农村家庭生计韧性；即使数字鸿沟存在，数字金融对农村家庭生计韧性的促进作用依然显著；数字金融对中西部地区、低人力资本与相对脆弱农村家庭的生计韧性提升效应更加明显。因此，应促进数字金融包容性增长，提高农村家庭对数字金融的认知水平和使用能力，政府及金融机构应加大对农村群体的关怀和帮扶力度，以期弥合“数字鸿沟”，提升农村家庭生计韧性。

Based on the 2022 China Family Panel Studies (CFPS) data, this study applies an Ordinary Least Squares (OLS) regression model to examine the impact of digital finance development on the livelihood resilience of rural households and its underlying mechanisms. The findings reveal that digital finance exerts a significant positive impact on the livelihood resilience of rural households. Specifically, digital finance enhances the livelihood resilience of rural households by promoting household entrepreneurship and facilitating the accumulation of financial capital. Even in the presence of the digital divide, the positive effect of digital finance remains significant. Furthermore, the impact is more pronounced in the central and western regions with lower capital endowments, and socioeconomically vulnerable rural households. Accordingly, it is essential to promot inclusive growth of digital finance, improve rural households’ awareness and capacity to use digital finance services, and strengthen the care and support of the government and financial institutions for rural populations with an aim to bridge the “digital divide” and enhance the livelihood resilience of rural households.

F832；F326

湖南省教育厅重点项目（24A0179）；湖南省研究生科研创新项目（CX20240681）