关键词: 数字能力, 金融能力, 数字金融能力, 相对贫困

Abstract: This paper defines “digital financial capability” and tests its impact on reducing relative poverty as well as corresponding function channels. Utilizing the China Household Finance Survey data, the empirical results show that, both digital capability and financial capability significantly reduce the probability of relative poverty under the premise of dealing with endogeneity. Regarding interaction effect, the conditional marginal effects of digital capability and financial capability show greater poverty reduction probability at capability levels with more relatively poor observations, which would help narrow the gap between the rich and the poor. The results show that digital financial capability also significantly reduces the probability of relative poverty, and it is worthy of special attention to the different proportions contributed by four function channels including increasing income, promoting wealth accumulation, easing liquidity constraints and influencing shopping channels. Policies committed to rural revitalization and ameliorating the uneven development should pay attention to improving different levels of digital financial capability of the relatively poor.