数字普惠金融对家庭碳排放的影响研究——基于2018年CGSS数据  

The Impact of Digital Inclusive Finance on Household Carbon Emissions: Based on 2018 CGSS Survey

作　　者：刘倩 陈瑞颂 Liu Qian;Chen Ruisong(School of Finance,Guangdong University of Foreign Studies;Institute of Financial Openness and Asset Management;Southern China Institute of Fortune Management Research)

机构地区：[1]广东外语外贸大学金融学院,金融开放与资产管理研究中心,华南财富管理中心研究基地,510006 [2]广东外语外贸大学金融学院,510006

出　　处：《环境经济研究》2022年第4期41-60,共20页Journal of Environmental Economics

基　　金：国家社会科学基金青年项目“数字金融对居民消费不平等的影响评估与机理研究”(21CJY045)的阶段性成果。

摘　　要：数字普惠金融对家庭生活的各方面产生了巨大影响,而家庭碳排放作为碳排放的主要来源之一,研究其是否受数字普惠金融的影响具有重要现实意义。本文基于2018年中国综合社会调查(CGSS)数据,运用投入产出法核算家庭碳排放量,研究数字普惠金融对家庭碳排放的影响及其影响路径。实证研究结果表明:数字普惠金融对增加家庭碳排放有显著的正向作用;机制研究表明数字普惠金融通过扩大居民消费规模与改变居民消费结构,促进家庭进行碳排放强度较高的生存型消费,使得家庭碳排放增加。进一步研究发现,数字普惠金融对于不同特征的家庭碳排放具有异质性影响:对收入水平越高的家庭影响越大;对于受教育水平较高的家庭,数字普惠金融对增加家庭碳排放有正向作用,但对于受教育水平较低的家庭却没有影响;对东部地区家庭碳排放有显著正向影响;对城镇家庭碳排放有显著正向影响,而对农村家庭没有显著性影响。因此,在数字普惠金融发展的同时,政府应加强居民的环保意识,引导居民低碳消费,鼓励数字普惠金融更深层次、更加平衡地发展。Digital inclusive finance has a huge impact on all aspects of family life. As one of the main sources of carbon emissions, it is of great significance to study whether digital inclusive finance has an impact on household carbon emissions. Based on the data from the Chinese General Social Survey(CGSS) in 2018, this paper uses the input-output method to calculate household carbon emissions, and studies the impact of digital inclusive finance on household carbon emissions and its impact path. The empirical results show that digital inclusive finance has a significant positive effect on increasing household carbon emissions. Mechanism research shows that digital inclusive finance enables households to carry out survival consumption with high carbon emission intensity and increase household carbon emissions by expanding the scale of household consumption and changing the structure of household consumption. For families with different characteristics, it has a heterogeneous impact. The higher the income level, the more carbon emissions generated by households. For families with higher education level, digital inclusive finance has a positive effect on increasing household carbon emissions, but it has no effect on families with lower education level.Digital inclusive finance has a significant positive impact on increasing household carbon emissions in eastern China.Digital inclusive finance has a significant positive impact on increasing carbon emissions of urban households, but has no significant impact on rural households. As for the suggestions, the government should emphasize environmental awareness and encourage low-carbon consumption with the development of digital inclusive finance.

关 键 词：数字普惠金融 家庭碳排放 投入产出法 消费规模 消费结构 

分 类 号：G50[文化科学—教育学]