【摘要】 基于中国家庭金融调查与研究中心(CHFS)的微观数据，采用(Factor Analysis)因子分析方法和静态收入贫困测度法对金融素养和相对贫困进行分析和测量，采用加权赋值法根据金融产品本身的复杂度和风险程度赋值，从而对家庭资产配置的多样性进行测量，并运用Probit模型实证分析金融素养对相对贫困的影响，识别了依托金融素养缓解相对贫困问题的路径。研究结果表明，金融素养不足是相对贫困群体不减贫的重要原因，金融素养的提升能够显著缓解相对贫困问题。金融素养有助于降低资金信息获取成本，提升参与市场经济意识，增加信贷可得性，从而帮助家庭更好地管理和配置自己的资产，提高资产配置效率和收益率，进而缓解相对贫困问题，最终实现共同富裕。更多还原

【Abstract】 Based on micro-level data from the China Household Finance Survey and Research Center(CHFS-2019), this article utilizes the Factor Analysis and the static income poverty measurement methods to analyze and measure financial literacy and relative poverty. The diversity of household asset allocation is measured using a weighted assignment method that considers the complexity and risk level of financial products. Additionally, a Probit model is employed to empirically analyze the impact of financial literacy on relative poverty and identify the pathways through which financial literacy can alleviate relative poverty. The research findings demonstrate that inadequate financial literacy is a significant factor contributing to the persistent poverty among the relative poverty population, while an improvement in financial literacy can significantly mitigate the issue of relative poverty. Financial literacy helps reduce the cost of accessing financial information, enhances awareness of market participation, and improves credit availability. These factors assist households in better managing and allocating their assets, increasing the efficiency and returns of asset allocation, and ultimately alleviating relative poverty, ultimately achieving shared prosperity for everyone.更多还原