数字普惠金融对农村流动家庭发展型消费的影响研究  

Research on the Impact of Digital Inclusive Finance on the Development Consumption of Rural Migrant Families

作　　者：冷雨桐 刘新民 LENG Yu-tong;LIU Xin-min(School of Economics and Management(School of Cooperative),Qingdao Agricultural University,Qingdao 266109,China)

机构地区：[1]青岛农业大学经济管理学院(合作社学院),青岛266109

出　　处：《青岛农业大学学报（社会科学版）》2023年第2期25-36,共12页Journal of Qingdao Agricultural University(Social Science)

基　　金：农业部软科学研究项目(RKX202012A);山东省自然科学基金青年项目(ZR2020QG019);山东乡村振兴实践研究院2023年度乡村振兴研究课题(XCZX2023112);青岛市科技惠民示范专项(23-2-8-xdny-7-nsh)。

摘　　要：我国农村家庭消费结构正经历从生存型消费向发展型消费转变,其中农村流动家庭因其城乡双栖特征,消费水平介于城镇家庭与农村家庭之间,如何进一步释放农村流动家庭的消费潜力对于破解居民消费不足的经济发展难题具有重要意义。基于北京大学数字普惠金融指数,以2014—2018年中国家庭追踪调查(CFPS)数据为研究样本,通过构建面板门槛回归模型,探讨数字普惠金融对农村流动家庭发展型消费的影响及其作用机制。结果表明:(1)数字普惠金融对农村流动家庭发展型消费具有促进作用,该作用存在门槛效应,即收入达到一定水平后,数字普惠金融对农村流动家庭发展型消费的促进作用更为明显;(2)进一步探究二者之间的作用机制,发现数字普惠金融可以降低农村流动家庭的预防性储蓄动机进而促进其发展型消费;(3)在不同收入情况下,数字普惠金融对收入水平处于中低分位的农村流动家庭发展型消费影响更显著。基于以上结论,本研究提出完善数字普惠金融基础设施、建立健全农村保障机制、贯彻落实惠农政策的建议,以期从数字普惠金融视角助力农村流动家庭消费转型升级。The consumption structure of rural households in China is undergoing a transformation from subsistence consumption to development consumption.Rural mobile households,due to their urban-rural dual characteristics,have a consumption level between urban and rural households.How to further release the consumption potential of rural mobile households is of great significance for solving the economic development problem of insufficient consumption of residents.Based on the Peking University Digital Inclusive Finance Index,taking the 2014—2018 China Family Panel Studies(CFPS)data as the research sample,this paper discusses the impact of digital inclusive finance on the development-oriented consumption of rural migrant families and its mechanism by building a panel threshold regression model.The results show that:(1)Digital inclusive finance can promote the development-oriented consumption of rural migrant families,which has a threshold effect.That is,after the income reaches a certain level,digital inclusive finance can promote the development-oriented consumption of rural migrant families more significantly;(2)Further study the mechanism of digital inclusive finance on the development oriented consumption of rural migrant households,and find that digital inclusive finance can reduce the precautionary saving motivation of rural migrant households and promote their development oriented consumption;(3)In different income situations,digital inclusive finance has a more significant impact on the development oriented consumption of rural migrant households with middle and low income levels.Based on the above conclusions,this study proposes to improve the digital inclusive financial infrastructure,establish and improve the rural security mechanism,and implement the preferential agricultural policies,with a view to helping rural mobile households to transform and upgrade their consumption from the perspective of digital inclusive finance.

关 键 词：数字普惠金融 农村流动家庭 发展型消费 门槛效应 遮掩效应 

分 类 号：F323.8[经济管理—产业经济]