Study on the impact of the family structure aging on the financial vulnerability of rural households —— Analysis of mediation effects based on digital literacy

Siqi Jiang

doi:10.47297/wspceWSP2516-251908.20250902

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Study on the impact of the family structure aging on the financial vulnerability of rural households —— Analysis of mediation effects based on digital literacy

9卷第2期

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Study on the impact of the family structure aging on the financial vulnerability of rural households —— Analysis of mediation effects based on digital literacy
Study on the impact of the family structure aging on the financial vulnerability of rural households —— Analysis of mediation effects based on digital literacy
Northwest A&F University, 712100
2025年9卷第2期页码：48-56
纸质出版日期：2025-04-28
DOI：10.47297/wspceWSP2516-251908.20250902
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(2025). Study on the impact of the family structure aging on the financial vulnerability of rural households —— Analysis of mediation effects based on digital literacy. 创意经济（英文版）, 9(2), 48-56.

Jiang Siqi.Study on the impact of the family structure aging on the financial vulnerability of rural households —— Analysis of mediation effects based on digital literacy[J].Creative Economy,2025,09(02):48-56.
(2025). Study on the impact of the family structure aging on the financial vulnerability of rural households —— Analysis of mediation effects based on digital literacy. 创意经济（英文版）, 9(2), 48-56. DOI： 10.47297/wspceWSP2516-251908.20250902.

Jiang Siqi.Study on the impact of the family structure aging on the financial vulnerability of rural households —— Analysis of mediation effects based on digital literacy[J].Creative Economy,2025,09(02):48-56. DOI： 10.47297/wspceWSP2516-251908.20250902.

摘要

Abstract

The combination of China's aging population and negative population growth exacerbates macroeconomic and financial risks

while the rise of digital finance effectively alleviates the vulnerability of family finance by improving residents' digital literacy. This paper focuses on the micro survey data of about 300 households in six central and western provinces of the Yellow River Basin (Shaanxi

Henan

Shandong

Jin

Gansu and Ning). By constructing binary Logit model and intermediary effect model

it systematically explores the transmission mechanism of population aging on family financial vulnerability and the intermediary role of digital literacy through theoretical reasoning and empirical test. The study found that: first

under the superimposed effect of negative population growth and aging

the proportion of the aging population over 60 years old will increase the occurrence probability of family financial vulnerability by about 6.34%

which is reflected in the dual dilemma of risk resistance against insufficient reserve and financial leverage; second

digital literacy helps the elderly to cross the "digital divide" and alleviate the negative impact of aging on family financial vulnerability. This paper innovatively reveals the pivotal role of digital technology empowerment in the intergenerational redistribution of resources

and provides a "digital literacy-driven" governance path for the construction of rural financial resilience in the aging society.

关键词

Keywords

references

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