产业升级、居民收入与消费金融的融合研究——以河南省为例  

Research on the Integration of Industrial Upgrading,Residents'Income and Consumer Finance——Taking Henan Province as an Example

作　　者：刘书敏 LIU Shumin(School of Economics and Management,Yan'an University,Yan'an 716000,China)

机构地区：[1]延安大学经济与管理学院,陕西延安716000

出　　处：《商业观察》2023年第20期30-33,共4页BUSINESS OBSERVATION

基　　金：陕西省社会科学基金项目(2020F005)。

摘　　要：河南省消费金融发展目前仍相对滞后,尚未发挥出推动经济社会发展、提升居民生活质量的关键作用。文章梳理河南省消费金融发展现状,利用2002—2021年河南省经济统计数据,构建多元回归模型,检验产业升级及居民收入对河南省消费金融的主要影响。研究发现,河南省消费金融发展受到城乡居民收入水平过低、居民消费金融普及程度低、及产业升级后劲不足等因素的制约。研究认为可通过增加欠发达地区居民收入、普及金融投资理念、推动第三产业的发展等途径,持续创新河南省消费金融运营模式,增强河南省消费金融业务优势。The development of consumer finance in Henan province is still relatively lagging behind,and it has not yet played a key role in promoting the economic and social development and improving the quality of residents'life.This paper sorts out the development status of con-sumer finance in Henan Province,and uses the economic statistics of Henan Province from 2002 to 2021 to construct a multiple regression model to test the main impact of industrial upgrading and residents'income on consumer finance in Henan Province.It is found that the development of consumer finance in Henan province is restricted by the low income level of urban and rural residents,the low popularity of consumer finance,and the lack of industrial upgrading sustainability.The research shows that the operation mode of consumer finance in Henan province can be continuously innovated and the advantages of consumer finance business can be enhanced by increasing residents'income in less developed areas,popularizing the concept of financial investment and promoting the development of the tertiary industry.

关 键 词：消费金融 河南省 产业升级 单位根检验 

分 类 号：F127[经济管理—世界经济]