金融素养对家庭消费的影响

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[中图分类号]F830.59[文献标识码]A[文章编号]1671-8372（2025）03-0018-10

Abstract：Based on the data of the China Household Finance Survey（CHFS），this study empiricall analyzes theimpactoffinancial literacyon householdconsumptionand its internal mechanisms.Theresearch also empirically examined the specific manifestations of this impact on household consumption volume，consumption structure upgrading，andconsumption mode transformation.Theresults indicate thatfinancial literacy hasasignificant positive impactonthetotalhouseholdconsumption；and thatfnancialiteracyhasasignificantpositiveimpactonfinancialredit constraints，wealth efects，andtheuseofcredit cards.Credit constraints，wealth efects，andtheuseofcredit cards respectivelyplayapartialmediatingrole intheprocessoffnancialiteracyonthegrowthoftotalhouseholdconsumption， the upgrading of consumption structure and the transformationof consumption paterns.Therefore，measures should be taken toimprove thefinancialeducationsystem，optimizethefinancialconsumptionenvironment，andexplore the market ofruralconsumption，inorder to stimulate thepotentialofhouseholdconsumptionandcomprehensivelydrive household consumption.

Key words：financial literacy;household consumption;consumption upgrading;transformation of consumption patterns

一、引言

2025年5月15日，国务院召开做强国内大循环工作推进会，强调要把发展的战略立足点放在做强国内大循环上，深挖潜力提振消费[1]。（剩余12334字）