【摘要】 数字素养作为数字经济时代的核心人力素养，对于家庭金融决策和风险管理行为具有重要影响。基于中国家庭金融调查(CHFS)2019年的截面数据，本文实证研究了数字素养对家庭商业保险参与的影响。结果表明，数字素养显著促进了家庭商业保险的参与选择、参与广度和参与深度。从影响机制上来看，居民数字素养的增强可以通过两个途径来促进家庭商业保险的参与：一是提高家庭成员对经济金融信息的关注度，二是丰富家庭成员金融知识。异质性检验表明，数字素养的提升对于那些相对年轻、接受过基础教育、居住在城镇或者收入水平高于平均值的家庭来说，在促进商业保险参与方面的影响效果更为显著。因此，居民应不断提高自身的数字素养，在数字经济环境下更积极地利用商业保险等工具，为家庭构建完备且有效的风险管理体系。更多还原

【Abstract】 Digital literacy,as a core human literacy in the era of digital economy,has an important impact on household financial decision-making and risk management behaviors. This paper investigates the impact of digital literacy on household commercial insurance participation using cross-sectional data from the China Household Finance Survey(CHFS)2019. The results show that digital literacy significantly contributes to the choice of participation,breadth of participation and depth of participation in household commercial insurance. In terms of the impact mechanism,the enhancement of residents? digital literacy can promote household commercial insurance participation through two pathways:(1)increasing household members? attention to economic and financial information,(2)enriching household members? financial knowledge. Heterogeneity tests show that the improvement of digital literacy has a more significant impact on promoting commercial insurance participation for those households that are relatively young,have received basic education,live in urban areas or have above-average income levels. Therefore,residents should continuously improve their digital literacy and make more active use of commercial insurance and other tools in the digital economy environment to build a complete and effective risk management system for their families.更多还原