西藏数字普惠金融发展与农牧民消费增长——来自西藏农牧民家庭的微观证据  

Digital Financial Inclusion and Farmers and Herdsmen's Consumption Growth in Tibet:Micro Evidence from a Survey Data of Farmers and Herdsmen's Households

作　　者：久毛措[1] 许小晴 JIU Mao-cuo;XU Xiao-qing(School of Economics and Management,Tibet University,Lhasa,Tibet 850000)

机构地区：[1]西藏大学经济与管理学院,西藏拉萨850000

出　　处：《西藏大学学报（社会科学版）》2022年第3期162-171,共10页Journal of Tibet University

基　　金：2019年度国家社会科学基金重点项目“西藏高海拔生态移民的可持续发展模式和实现路径研究”阶段性成果,项目号:19ASH015。

摘　　要：文章基于西藏7个地市1594户农牧民家庭调查数据,对西藏数字普惠金融发展与农牧民消费增长之间的关系进行了实证分析。研究发现西藏数字普惠金融的发展显著促进了农牧民的消费增长,对边境县农牧民消费的促进效应更为明显,且主要是通过便利农牧民的支付机制来实现的。研究提出强化和创新西藏农牧区数字普惠金融产品和服务的供给,加强农牧区数字普惠金融的数字服务体系和多功能数字普惠金融惠农综合服务平台建设,优化传统金融服务与数字普惠金融服务的互补关系,加大农牧区数字普惠金融的宣传与普及和保障农牧民的基本权益等建议。Based on the questionnaire data of 1594 sample farmers and herdsmen's households,this article makes a theoretical discussion and empirical test on the impact of the development of digital inclusive finance on the consumption growth of farmers and herdsmenin Tibet.The results show that the development of digital inclusive finance in Tibet has significantly promoted farmers and herdsmen's consumptionmainly by facilitating the payment of households,while the relaxation liquidity constraints is not the main reason to enhance farmers and herdsmen's consumption,and digital inclusive finance in Tibet has a more obvious role in promoting farmers and herdsmen's consumption in border counties.The research results provide empirical evidence for understanding the relationship between the development of digital financial inclusion and the farmers and herdsmen's consumption in Tibet,and can be used as a reference by relevant departments and decision-makers to design and improve relevant policies.

关 键 词：数字普惠金融 农牧民 消费 西藏 

分 类 号：F832.7[经济管理—金融学]