金融学院知识库

作为世界第二大经济体，我国已进入高质量发展阶段，但仍存在发展不平衡不充分的问题。普惠金融作为平衡发展的基准手段，具有天然“为人民服务”的属性，能有效缓解我国经济发展的现状。数字技术的变革有效提升了普惠金融服务的效率，扩大了普惠金融的服务范围，化解了传统普惠金融的难题，催生了数字普惠金融新业态，使得各地发展不平衡不充分的问题得到了有效的缓解。其惠民性使得人民群众的获得感更加充实、安全感更有保障、幸福感更可持续，满足了人民对美好生活的需求。因此，从数字普惠金融的角度出发，研究数字普惠金融对家庭幸福感的影响有一定的现实意义。

本文围绕数字普惠金融对家庭幸福感的影响展开实证研究。首先，运用北京大学数字普惠金融省级指数对以家庭财务人为主的家庭幸福感进行O-Probit模型基准回归，并对基准回归结果进行稳健性检验和内生性检验，随后运用数字普惠金融指数的二级指标和三级指标，研究普惠金融各个层面对家庭幸福感的影响；其次，基于家庭纯收入、家庭消费以及家庭资本研究数字普惠金融对家庭幸福感的影响机制；最后，立足不同个人特征以及家庭特征，对影响结果进行异质性检验。通过实证检验，得出以下几点结论：第一，数字普惠金融能明显提升家庭幸福感，数字普惠金融覆盖范围越广、数字化程度越高、对数字普惠金融实际运用水平越高，家庭幸福感越高。并通过替换模型、替换核心变量、更换样本集以及运用工具变量法，发现基准结果具有一定的稳健性。第二，数字普惠金融能通过提高家庭纯收入、家庭消费及家庭金融资产持有量来增强家庭幸福感。第三，从个人特征来看，数字普惠金融对男性、金融素养高和年轻家庭的幸福感有促进作用；从家庭特征来看，数字普惠金融对农村家庭和无负债家庭的幸福感有明显的促进作用。通过以上实证研究结果，立足数字普惠金融，给出相应的政策建议。

As the world's second largest economy, China has entered a stage of high-quality development, but there is still the problem of unbalanced and insufficient development. As a benchmark means for balanced development, inclusive finance has the attribute of "serving the people" and can effectively alleviate the current situation of China's economic development. The transformation of digital technology has effectively improved the efficiency of inclusive financial services, expanded the service scope of inclusive finance, solved the problems of traditional inclusive finance, and spawned new forms of digital inclusive finance, effectively alleviating the problem of unbalanced and insufficient development in various places. Its benefits make the people's sense of gain more fulfilling, their sense of security more secure, and their happiness more sustainable, meeting the people's needs for a better life. Therefore, from the perspective of digital financial inclusion, it is important to study the impact of digital financial inclusion on family happiness.

This thesis focuses on the impact of digital financial inclusion on family happiness. Firstly, The Peking University Digital Financial Inclusion Index of provincial was used to carry out O-Probit model benchmark regression for family happiness dominated by family financiers, and the robustness test and endogenous test of the benchmark regression results were carried out, and then the secondary and tertiary indicators of the digital inclusive financial index were used to study the impact of all levels of inclusive finance on family happiness, and the robustness test and endogenous test of the benchmark regression results were carried out. Secondly, based on household income, household consumption and household capital, the impact mechanism of digital financial inclusion on family happiness is studied. Finally, based on different personal characteristics and family characteristics, the heterogeneity of the influence results was tested. Through empirical testing, the following conclusions are drawn: First, digital inclusive finance can significantly improve family happiness, the wider the coverage of digital inclusive finance, the higher the degree of digitalization, the higher the practical application level of digital inclusive finance, and the higher the family happiness. By replacing the model, replacing the core variables, replacing the sample set, and using the instrumental variable method, it is found that the benchmark results have a certain robustness. Second, digital financial inclusion can enhance family happiness by increasing household income, household consumption, and household financial asset holdings. Third, from the perspective of personal characteristics, digital financial inclusion has a promoting effect on the happiness of men, high financial literacy and young families; From the perspective of household characteristics, digital financial inclusion has a significant role in promoting the happiness of rural families and non-indebted households. Based on the above empirical research results, corresponding policy recommendations are given based on digital financial inclusion.