数字普惠金融发展对居民消费的影响机理与实证分析  

Influence Mechanism and Empirical Analysis of Development of Digital Inclusive Finance on Residents’Consumption

作　　者：贺建清[1] 伍莉[2] HE Jian-qing;WU Li(Ganxi Regional Economic and Social Development Research Center,Yichun University,Yichun 336000,China;School of Economics and Management,Yichun University,Yichun 336000,China)

机构地区：[1]宜春学院赣西区域经济社会发展研究中心,江西宜春336000 [2]宜春学院经济与管理学院,江西宜春336000

出　　处：《宜春学院学报》2023年第8期39-46,共8页Journal of Yichun University

基　　金：江西省高校人文社会科学研究一般项目“数字普惠金融对居民消费的影响机理与实证分析”(项目编号:JJ21110)。

摘　　要：在双循环新发展格局下,发挥数字金融优势,扩大消费、拉动内需是经济增长的动力引擎。基于2011-2020年的面板数据,构建计量经济模型分析数字普惠金融对居民消费的影响;发现数字金融对城镇和农村居民的消费均有正向促进作用,其覆盖广度、数字化程度维度均对城镇和农村居民消费有显著的正向影响,但使用深度对农村居民消费具有抑制作用,数字普惠金融还通过互联网信贷指数对城镇居民消费支出施加显著影响,促进了城镇居民消费支出;通过互联网保险指数对农村居民消费支出产生促进作用。在此基础上,从拓展和完善数字金融应用场景、优化数字金融业务、提高居民数字技术应用能力、倡导新型消费模式、切实保障消费者权益等方面探讨相关对策。Under the new development pattern of dual circulation,giving full play to the advantages of digital finance,expanding consumption and stimulating domestic demand are power engines of economic growth.Based on the panel data from 2011 to 2020,an econometric model was constructed to analyze the impact of digital inclusive finance on resident consumption.It is found that digital finance has a positive effect on the consumption of urban and rural residents,and its coverage breadth and digital degree have a significant positive impact on the consumption of urban and rural residents,but the depth of use has a restraining effect on the consumption of rural residents,and digital inclusive finance also exerts a significant impact on the consumption expenditure of urban residents through the Internet insurance index,which promotes the consumption expenditure of urban residents,also promoting the consumption expenditure of rural residents through the Internet insurance index.On this basis,relevant countermeasures are discussed from the aspects of expanding and improving digital financial application scenarios,optimizing digital financial business,improving residents’application ability of digital technology,advocating new consumption patterns,and effectively protecting consumer rights and interests.

关 键 词：数字普惠金融 居民消费 影响机理 实证分析 

分 类 号：F832.5[经济管理—金融学]