数字普惠金融对农村居民消费的影响--基于江西省的实证分析  

Impact of Digital Inclusive Finance on Rural Residents’ Consumption:An Empirical Analysis Based on Jiangxi Province

作　　者：蔡桂云[1] 聂祎卉 隋鹏昌 CAI Guiyun;NIE Yihui;SUI Pengchang(School of Economics and Management,Jiangxi Agricultural University,Nanchang 330045,China)

机构地区：[1]江西农业大学经济管理学院,江西南昌330045

出　　处：《农林经济管理学报》2022年第5期547-554,共8页Journal of Agro-Forestry Economics and Management

基　　金：国家社会科学基金一般项目(19BJY112);教育部人文社会科学基金一般项目(20YJC630076);江西省高校人文社会科学项目(JJ18117)。

摘　　要：基于2013—2020年江西省数字普惠金融指数以及农村居民收支的统计数据,采用混合OLS模型实证分析数字普惠金融对江西省农村居民消费的影响。结果表明:数字普惠金融对江西省农村居民的消费支出具有显著的正向影响;在子指标方面,覆盖广度和数字化程度对江西省农村居民消费具有显著的正向影响,而使用深度则对江西省农村居民消费具有抑制作用,且利用变量替换法进行稳健性检验后,所得结论依然成立;数字普惠金融对发展与享受型消费支出的正向影响远大于其对生存型消费支出的正向影响,数字普惠金融在一定程度上可以优化农村居民消费结构。基于此,建议通过加强数字普惠金融宣传教育、完善农村网络基础设施和金融市场监管、提高农民可支配收入等以更好地发挥数字普惠金融促进农村居民消费方面的作用。Based on the statistical data of the digital inclusive finance index of Jiangxi province and the income and expenditure of rural residents of the province from 2013 to 2020,the mixed OLS model was used to empirically analyze the impact of digital inclusive finance on residents’ consumption in rural areas of Jiangxi province.The results show that digital inclusive finance has a significant positive impact on rural residents’ consumption level.In terms of sub-indicators,the coverage and digitalization of digital finance have a significant positive impact on the consumption of rural residents in the province while the depth of digital finance has an inhibitory effect.The conclusion remains valid after the robustness test using variable substitution method.The positive impact of digital inclusive finance on development and enjoyment consumption expenditure is far greater than that on survival consumption expenditure.Digital finance can optimize rural residents’ consumption structure to a certain extent.Therefore,it is suggested that digital inclusive finance should be encouraged to play a better role in promoting rural residents’ consumption by strengthening the publicity and education of digital inclusive finance,improving rural network infrastructure and financial market supervision,and increasing farmers’ disposable income.

关 键 词：数字普惠金融 农村居民消费 生存型消费 发展与享受型消费 消费结构 

分 类 号：F323.8[经济管理—产业经济]