数字金融的幸福感效应及机制研究  

Research on Happiness Efect and Its Mechenism of Digital Finance

作　　者：刘浩杰 张广胜[1] LIU Hao-jie;ZHANG Guang-sheng(Liaoning University,Shenyang 110036,China)

机构地区：[1]辽宁大学商学院,辽宁沈阳110036

出　　处：《当代财经》2022年第4期52-64,共13页Contemporary Finance and Economics

基　　金：国家社会科学基金重点项目“以人为核心的新型城镇化下提高农业转移人口市民化质量研究”(21AZD044);辽宁省“兴辽英才计划”项目“辽宁省经济高质量发展评价研究”(XLYC1904014);辽宁省文化名家暨“四个一批”人才培养项目“辽宁省优化营商环境面临的问题及对策研究”(LNSGYP200260)。

摘　　要：数字金融发展质量对居民幸福感水平具有重要影响。基于自我决定理论,运用中国综合社会调查2011-2017年数据,检验数字金融对中国居民主观幸福感的影响和作用机制后发现,数字金融对主观幸福感的影响呈U型,即早期低水平的数字金融降低了居民主观幸福感,但中后期高水平的数字金融能有效提升幸福感。这意味着数字金融发展存在两面性,既可能损害居民利益降低幸福水平,也可能通过提高效率和促进公平增强幸福水平,需要建立完备的数字金融发展与监管体系。机制研究发现,数字金融通过影响个体的经济状况、精神状况和主观社会地位作用于主观幸福感。因此,应在完善监管制度的情况下,不断加大数字金融的建设力度,通过财税政策引导企业建立多品类的金融服务体系,为居民增强幸福感赋能。The quality of digital finance development has an important influence on the level of residents’sense of happiness.Based on the self-determination theory and using the data of China General Social Survey from 2010 to 2017,this paper empirically tests the influence and mechanism of digital finance on Chinese residents’subjective well-being.The findings show that the influence of digital finance on subjective well-being is u-shaped,that is,the early low level of digital fnance has reduced residents’subjective well-being,but the high level of digital finance in the middle and later period can efectively improve the subjective well-being.This means that the development of digital finance has two sides:it may harm the interests of residents and reduce the level of subjective well-being,and it may also enhance the level of subjective well-being by improving the efficiency and faimess.Therefore,it is necessary to establish a complete digital finance development and supervision system.The results of the mechanism study show that digital finance can have an effect on the sub-jective well-being by affecting individual's economic position,mental condition and subjective social status.Therefore,under the conditions of improving the regulatory system,the construction of digital finance should be continuously strengthened,and the enterprises should be guided to establish a mul-ti-category financial service system through financial and tax policies,so as to enhance the residents'subjective well-being.

关 键 词：数字金融 主观幸福感 经济状况 精神状况 主观社会地位 

分 类 号：F832[经济管理—金融学]