基于1180份中西部农户调研数据，构建数字金融素养与农村家庭金融脆弱性指标体系，实证检验数字金融素养对农村家庭金融脆弱性的影响及作用机制。结果表明，数字金融素养提升能显著降低农村家庭金融脆弱性，该结论在经过一系列内生性讨论与稳健性检验后依然成立。机制分析表明，数字金融素养能通过促进金融市场参与和家庭财富积累来降低农村家庭金融脆弱性；异质性分析表明，数字金融素养对农村家庭金融脆弱性的降低效应在户主为男性、年龄较大、受教育程度较高与成员健康家庭中更显著。

Based on 1180 survey data of farmers in central and western China, digital financial literacy and rural household financial vulnerability index systems are constructed to empirically test the impact and mechanism of digital financial literacy on rural household financial vulnerability. The results indicate that improving digital financial literacy can significantly reduce the financial vulnerability of rural households, and this conclusion still holds true after endogeneity discussions and robustness tests. Mechanism analysis results show that digital financial literacy can reduce rural household financial vulnerability by promoting financial market participation and household wealth accumulation; Heterogeneity analysis indicates that the reduction effect of digital financial literacy on rural household financial vulnerability is stronger in cases where the head of the household is male, older, higher educated, and healthy members.

F832；F323

国家社会科学基金项目（23BYJ149）；国家社会科学基金重大项目（22&ZD123）；重庆社会科学规划中特理论重点项目（2024ZTZD20）