【摘要】 基于2015年、2017年、2019年中国家庭金融调查(China Household Finance Survey, CHFS)的面板数据，采用二元选择模型Probit方法和中介效应模型，探究金融知识对居民数字金融参与的影响。研究结果表明，金融知识对居民参与数字金融具有促进作用，对于西部地区、城镇家庭和中高收入群体的影响效应更加显著。中介效应模型估计结果表明，金融知识通过降低家庭现金存款占总资产比率、资产负债率对居民参与数字金融行为产生影响。建议多渠道普及金融知识，完善数字金融服务平台，优化家庭资产配置以提高居民数字金融参与。更多还原

【Abstract】 Based on the panel data of China Household Finance Survey(CHFS) in 2015, 2017 and 2019, the impact of financial knowledge on Residents’ digital financial participation was explored by using the binary selection model Probit method and intermediary effect model. Research finds that financial knowledge can promote residents’ participation in digital finance and have a more significant impact on the western region, urban families and risk enthusiasts. The estimation results of intermediary effect model show that financial knowledge has an impact on Residents’ participation in digital finance by reducing the ratio of household cash deposits to total assets and asset liability ratio. Residents’ participation in digital finance can be improved by popularizing financial knowledge through multiple channels, improving digital financial service platforms and optimizing household asset allocation.更多还原