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<p>Using data from the China Household Finance Survey (CHFS), this study demonstrates the impact of married women’s labor participation on household financial vulnerability. The results show that married women’s labor participation significantly reduces household financial vulnerability. Using regression analysis, the study finds that raising household savings rate, promoting insurance participation, and enhancing social interaction are the main channels. Heterogeneity analysis indicates that the impact of married women’s labor participation on household financial vulnerability is more significant in households with low-education, low-income, low-asset, rural areas, and with children or elderly people. Further analysis finds that married women participating in non-agricultural labor and rural married women continuing to participate non-agricultural labor after reaching retirement age can significantly reduce household financial vulnerability. This study not only enriches the literature on both labor economics and household finance, but also provides a reference basis for the formulation of policies related to preventing and resolving household financial risks.</p>

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Married Women’s Labor Participation and Household Financial Vulnerability: Evidence from China

  • 期刊论文

  • 发表日期：

    2025年3月24日

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  • Jian Yao,
  • Xuheng Zang,
  • Bowen Zhou

摘要

Using data from the China Household Finance Survey (CHFS), this study demonstrates the impact of married women’s labor participation on household financial vulnerability. The results show that married women’s labor participation significantly reduces household financial vulnerability. Using regression analysis, the study finds that raising household savings rate, promoting insurance participation, and enhancing social interaction are the main channels. Heterogeneity analysis indicates that the impact of married women’s labor participation on household financial vulnerability is more significant in households with low-education, low-income, low-asset, rural areas, and with children or elderly people. Further analysis finds that married women participating in non-agricultural labor and rural married women continuing to participate non-agricultural labor after reaching retirement age can significantly reduce household financial vulnerability. This study not only enriches the literature on both labor economics and household finance, but also provides a reference basis for the formulation of policies related to preventing and resolving household financial risks.