数字普惠金融发展能促进农民消费水平提升吗?  

Can Digital Financial Inclusion Improve Farmers'Consumption Level?

作　　者：张林[1,2] 丁晓兰[2] Zhang Lin;Ding Xiaoan(Center for Inclusive Finance and Agricultural and Rural Development,Southwest University;College of Economics and Management,Southwest University,Chongqing 400715,China)

机构地区：[1]西南大学普惠金融与农业农村发展研究中心 [2]西南大学经济管理学院,重庆400715

出　　处：《东方论坛（青岛大学学报）》2023年第5期91-105,共15页Eastern Forum（JOURNAL OF QINGDAO UNIVERSITY）

基　　金：国家社会科学基金项目“农业强国目标下健全农村金融服务体系的机制与路径研究”(23BJY149);国家社会科学基金重大项目“数字普惠金融支持乡村振兴的政策与实践研究”(22&ZD123)的阶段性成果。

摘　　要：基于2015年、2017年、2019年三期中国家庭金融调查数据与北京大学县域数字普惠金融指数的匹配数据,采用似不相关回归法(SUR)探讨数字普惠金融对农民消费水平的影响,结果发现,数字普惠金融发展可以促进农民生存型消费、享受型消费、发展型消费水平的提升。在数字普惠金融影响农民消费水平的过程中,支付便利性机制、流动性约束机制、预防性储蓄机制均成立。数字普惠金融整体上对较高消费水平农村家庭的影响作用更大,对较低消费水平农村家庭的影响作用相对较小。数字普惠金融对高财富水平家庭和低财富水平家庭的生存型消费促进作用差别较小,但是相比于低财富水平家庭,数字普惠金融对高财富水平家庭的享受型和发展型消费水平的提升作用更大。数字普惠金融对农村居民家庭3种类型消费的促进作用在东部、中部、西部地区依次减小。Based on the matching data of the China Household Finance Survey in 2015,2017 and 2019 and the county digital financial inclusion index from Peking University,this paper uses the seemingly unrelated regression(SUR)method to explore the impact of digital financial inclusion on farmers'consumption level.The research results show that the development of digital financial inclusion can promote farmers'subsistence consumption,enjoyment-oriented consumption and development-oriented consumption.In the process of digital financial inclusion affecting farmers'consumption level,the payment convenience mechanism,the liquidity constraint mechanism and the preventive savings mechanism have all been established.Digital financial inclusion has a greater impact on rural households with higher consumption levels on the whole,and has a relatively smaller impact on rural households with lower consumption levels.Digital financial inclusion has little difference in promoting the subsistence consumption of high wealth families and low wealth families,but compared with low wealth families,it has a greater role in promoting the enjoyment-oriented consumption and development-oriented consumption of high wealth families.Its promotion effect on the three types of consumption of rural households decreases successively in the eastern,central and western regions.

关 键 词：数字普惠金融 农民消费水平 似不相关回归 

分 类 号：F126.1[经济管理—世界经济] F832.1