数字普惠金融对居民消费的影响研究  

Research on the impact of digital Inclusive Finance on residents'consumption

作　　者：韩刚[1] 赵微 HAN Gang;ZHAO Wei(School of Economics,Anhui University of Finance and Economics,Bengbu 233030,China)

机构地区：[1]安徽财经大学经济学院,安徽蚌埠233030

出　　处：《武汉轻工大学学报》2021年第1期96-101,111,共7页Journal of Wuhan Polytechnic University

基　　金：安徽省哲学社会科学规划项目(AHSKY2019D085).

摘　　要：数字普惠金融发展对推进居民消费升级具有重要意义。本文基于中国30个省市2011—2018年的面板数据,实证分析数字普惠金融对城镇居民、农村居民消费水平与消费结构的影响,并进一步从3个维度探讨了数字普惠金融与居民消费之间的关系。结果表明:数字普惠金融发展水平对农村居民消费水平和消费结构的影响较城镇居民更为显著;数字普惠金融覆盖广度和数字化程度对居民消费具有显著的促进作用;数字普惠金融的使用深度与居民消费水平之间关系并不明显。因此,政府部门和金融机构应加快推进数字普惠金融基础设施建设,尤其要重视增加落后地区的普惠金融服务供给并提升其数字化程度来促进居民消费升级。the development of digital Inclusive Finance is of great significance to promoting the upgrading of residents'consumption.Based on the panel data of 30 provinces and cities in China from 2011 to 2018,this paper empirically analyzes the impact of digital Inclusive Finance on consumption level and consumption structure of urban residents and rural residents,and further explores the relationship between digital Inclusive Finance and residents'consumption from three dimensions.The results show that:the development level of digital Inclusive Finance has a more significant impact on rural residents'consumption level and consumption structure than urban residents;the coverage and digitization degree of digital Inclusive Finance play a significant role in promoting residents'consumption;the relationship between the depth of digital Inclusive Finance and the consumption level of residents is not obvious.Therefore,government departments and financial institutions should speed up the construction of digital inclusive financial infrastructure,especially pay attention to increasing the supply of inclusive financial services in backward areas and enhance its digital degree to promote the upgrading of residents'consumption.

关 键 词：数字普惠金融 居民消费 消费水平 消费结构 

分 类 号：F063.2[经济管理—政治经济学]