数字金融的蓬勃发展为家庭经济行为注入了全新的活力。本文基于北京大学数字普惠金融指数与中国家庭追踪调查（CFPS）的合并匹配数据，深入研究了数字金融对家庭资产流动性的影响。研究发现，数字金融提升了家庭资产流动性，且数字金融的分维度覆盖广度对家庭资产流动性的影响最为显著。同时，机制分析发现，数字金融主要通过提升金融资产投资便利性、缓解信息不对称和促进家庭创业活动三个渠道提升了家庭资产流动性。进一步研究还表明，数字金融对城镇、东部地区和高收入家庭的家庭资产流动性的提升作用显著大于乡村、中西部和中低收入家庭。数字金融的发展存在马太效应——发达地区的家庭资产流动性持续上升，而欠发达地区则相对滞后。本文研究数字金融与家庭资产流动性之间的关系，可为我国扩大内需以及缓解不平衡不充分发展的主要矛盾提供一定的政策制定参考。

The burgeoning development of digital finance has infused new vitality into household economic behavior. Based on merged data from the Peking University Digital Inclusive Finance Index and the China Family Panel Studies (CFPS), this paper conducts an in-depth investigation into the impact of digital finance on household asset liquidity. Findings reveal that digital finance enhances household asset liquidity, with the coverage breadth dimension of digital finance exerting the most significant influence. Mechanism analysis further demonstrates that digital finance primarily improves liquidity through three channels: enhancing the convenience of financial asset investment, mitigating information asymmetry, and promoting household entrepreneurial activities. Further research indicates that the liquidity-enhancing effect of digital finance is significantly greater for urban households, those in eastern regions, and high-income families compared to rural households, those in central/western regions, and middle/low-income families. The development of digital finance exhibits a Matthew effect—household asset liquidity continues to rise in developed regions while lagging relatively in less developed areas. This study on the relationship between digital finance and household asset liquidity can provide valuable insights for policymakers seeking to expand domestic demand and address China's principal contradiction of unbalanced and inadequate development.