中国互联网金融发展对居民消费的影响研究  

Study on the Influence of China's Internet Finance Development on Residents'Consumption

作　　者：蓝管秀锋 匡贤明[1] LAN Guanxiufeng;KUANG Xianming(School of Business Administration, Northeastern University, Shenyang 110169, China)

机构地区：[1]东北大学工商管理学院,辽宁沈阳110169

出　　处：《东北大学学报（社会科学版）》2022年第3期14-21,共8页Journal of Northeastern University(Social Science)

基　　金：国家社会科学基金重点资助项目(16AZD016)。

摘　　要：基于创新扩散模型和信息甄别模型,引入市场规模、广告推广和居民流动性约束等因素,扩展了跨期消费的基准理论模型。同时,根据理论分析从互联网金融发展对居民消费需求影响的水平效应和结构效应两个角度进行实证研究。结果表明:互联网金融可以放松居民的流动性约束提高居民消费需求;互联网金融不能通过发展享受消费来改善居民消费结构,但可以利用信贷期限对居民消费层级产生间接影响;居民可支配收入水平的提高能够促进消费需求的增长。Based on innovation diffusion model and information discrimination model,the benchmark theoretical model of intertemporal consumption is extended by introducing factors such as market size,advertising promotion and resident liquidity constraint.At the same time,according to the theoretical analysis,an empirical research is carried out from the perspectives of the horizontal effect and the structural effect of the impact of Internet finance development on residents'consumption demand.The results show that Internet finance can relax the liquidity constraint of residents and improve their consumption demand.Internet finance cannot improve the consumption structure of residents by developing consumption enjoyment,but it can make use of credit term to have an indirect influence on the level of residents'consumption.The improvement of the level of disposable income can promote the growth of consumer demand.

关 键 词：互联网金融 居民消费 跨期消费理论模型 经济结构调整 

分 类 号：F063.2[经济管理—政治经济学]