消费者参与度与数字绿色普惠金融产品满意度  

Consumer participation and satisfaction with digital green inclusive financial products

作　　者：姚星垣[1] 汪卫芳[1] YAO Xingyuan;WANG Weifang(Zhejiang Financial College, Hangzhou 310018, China)

机构地区：[1]浙江金融职业学院,浙江杭州310018

出　　处：《浙江农业学报》2021年第8期1542-1551,共10页Acta Agriculturae Zhejiangensis

基　　金：浙江省省属高校基本科研业务费(2021DC07);浙江金融职业学院2019年度基本科研业务费重点项目(2019ZD04);浙江金融职业学院高水平科研创新团队建设计划(2021XS06)。

摘　　要：消费者参与对数字绿色普惠金融产品满意度产生影响,从而可有利于全面推进乡村振兴,助力实现“双碳”目标,推动高质量发展。基于消费者问卷调查数据的经验研究发现:提升消费者参与认同,增加消费者参与行为均对数字绿色普惠金融产品的满意度产生正面影响;消费者参与认同和社交参与对总体满意度的正向影响较大,参与深度的影响大于参与密度;具体的参与方式对不同维度的满意度影响存在异质性。因此,在设计数字绿色普惠金融产品和服务时要关注消费者参与度对满意度的正向影响及其异质性,在丰富参与方式的同时重视线上社交参与等新型参与方式的积极作用。Consumer participation showed an impact on the satisfaction of digital green inclusion financial products,thus contributing to the promotion of rural revitalization,the achievement of the dual carbon goals,and the promotion of high-quality development.Based on the micro questionnaire survey data,empirical research found that the improvement of participation identification and the increase of participation behavior had a positive impact on the satisfaction of digital green inclusive financial products.Relatively,participation identification and social engagement had a greater positive impact on overall satisfaction;the influence of participation depth was greater than that of participation density.The influence of specific participation on satisfaction of different dimensions was heterogeneous.Therefore,in the design of financial products and services,attention should be paid to the positive impact of participation on satisfaction and its heterogeneity.In particular,attention should be paid to the positive role of online social participation as well as enriching various forms of participation.

关 键 词：参与行为 低碳消费 普惠金融 绿色金融 数字金融 满意度 

分 类 号：S-9[农业科学] F831.2[经济管理—金融学]