东北财经大学学报

促进健康公平是实现共同富裕的内在要求。数字普惠金融在促进社会公平、实现共同富裕方面发挥着不可替代的作用。本文采用2014—2020年北京大学数字普惠金融指数和中国家庭追踪调查数据，从相对流动和绝对流动两个视角，实证检验了数字普惠金融对健康代际流动的影响及作用机制。研究发现，数字普惠金融不仅显著降低了子代与父代之间的健康相关性，还推动了子代健康在代际间的向上流动。异质性分析发现，数字普惠金融对提高中低健康水平家庭、女性子代家庭以及农村家庭的相对健康代际流动更加显著。机制分析发现，数字普惠金融主要通过提高收入代际流动、提高教育代际流动和提高健康服务可及性促进健康代际流动。基于研究结论，本文提出强化数字基础设施建设，强化政策扶持与监管，全面提高居民金融素养、数字素养和健康素养的政策建议。本文的研究为发挥数字普惠金融促进健康代际流动的作用提供了理论依据。

The positive role of digital financial inclusion in narrowing socioeconomic gaps and facilitating intergenerational income mobility has been widely recognized and validated. However, research on the impact of digital financial inclusion on health and intergenerational health mobility remains limited. In terms of research on intergenerational health mobility, existing studies mainly focus on the socioeconomic factors and behavioral mechanisms underlying intergenerational health transmission, while from the perspective of digital financial inclusion, there are few studies on the influence of such external policy or environmental dimensions, which is not conducive to understanding the role of the overall social institutional environment and technological progress in the intergenerational mobility.Using the data from four rounds of the China Family Panel Studies from 2014 to 2020, this paper empirically examines the impact of digital financial inclusion on intergenerational health mobility and its mechanism from the perspective of relative and absolute mobility. The study reveals that digital financial inclusion not only significantly reduces the health correlation between children and parents but also promotes upward improvement in children's health across generations. Digital financial inclusion exhibits a significant characteristic of assisting the disadvantaged, particularly in enhancing the relative intergenerational health mobility of families with medium to low health levels, families with female children, and rural families. Mechanism analysis shows that digital financial inclusion promotes intergenerational health mobility mainly by promoting intergenerational mobility of socioeconomic status and ensuring access to health services.Compared with previous studies, this paper makes the following marginal contributions. First, in the context of common prosperity, it examines intergenerational health mobility from the perspective of digital financial inclusion, enriching the research perspective of intergenerational health mobility. Second, based on the relatively objective physiological health and mental health variables, it measures the individual health utility value and life expectancy and obtains the comprehensive health index QALY value. This value comprehensively considers the individual's quality of life and length of life, makes up for the limitation of using a single index to measure health, and can fully reflect the health level of children and parents. Third, this paper offers a comprehensive description of intergenerational health mobility from relative and absolute mobility, which can not only show the degree of health transmission between generations but also reflect the improvement of the health of children. Fourth, this study comprehensively examines the impact mechanism of digital financial inclusion on intergenerational health mobility from three aspects: improving intergenerational income mobility, intergenerational education mobility, and access to health services.