数字能力对居民家庭消费的影响研究--基于收入效应的分析  

The Impact of Digital Capability on Household Consumption--An Analysis Based on Income Effect

作　　者：李睿 朱利 罗绍晗 钱嫣虹 LI Rui;ZHU Li;LUO Shao-han;QIAN Yan-hong

机构地区：[1]电子科技大学经济与管理学院 [2]浙江财经大学金融学院、盈阳金融科技学院

出　　处：《农村金融研究》2024年第4期69-80,共12页Rural Finance Research

基　　金：国家自然科学基金青年项目“数字素养对我国家庭创业决策和创业回报的影响研究”(编号:72103029);浙江省哲学社会科学规划项目“经济政策不确定性与企业创新:调节机制与溢出效应研究”(编号:24NDJC324YBMS)的研究成果。

摘　　要：研究数字能力如何影响居民家庭的消费行为,对于激发市场活力、增强内生动力等具有重要的现实意义。论文基于中国家庭追踪调查(CFPS)数据,从数字设备使用能力、数字场景应用能力以及数字信息获取能力三个维度度量了家庭数字能力,并实证分析了数字能力与家庭消费的关系,发现数字能力的提升能显著提高家庭消费水平。在进行核心变量替换、回归样本变更等一系列稳健性检验后,发现数字能力对家庭消费的促进作用仍然存在。此外,除了对家庭消费水平的影响,数字能力对不同消费类型也都具有显著的促进作用。基于收入效应的机制分析发现,数字能力通过提高家庭收入、降低家庭收入波动性来促进消费。进一步分析发现,数字能力对家庭线上线下消费均有积极影响,但数字能力对家庭消费收入比没有显著的影响,即数字能力并没有改变家庭边际消费倾向,而是通过提高收入水平和降低收入波动性来促进家庭消费。论文拓展了数字能力在消费领域的应用,证明了数字能力对家庭收入和消费增长的积极作用,丰富了数字时代家庭金融的相关研究。Exploring how digital capabilities influence household consumption behavior is crucial for boosting market dynamics and strengthening intrinsic motivation.Utilizing data from the China Family Panel Studies(CFPS),this study quantifies household digital capabilities across three dimensions:usage,application,and information.We conduct an empirical analysis to assess the impact of digital capabilities on household consumption and find a significant positive correlation.Following a series of robustness checks,such as substituting core variables and altering regression samples,the findings consistently demonstrate a beneficial effect of digital capabilities on consumption.This positive effect is also significant across different consumption types.Further analysis reveals that digital capabilities primarily bolster consumption by increasing household income and reducing income volatility.The study also discerns that digital capabilities positively affect both online and offline consumption,although they do not significantly alter the household consumption-to-income ratio.Thus,while digital capabilities do not affect the marginal propensity to consume,they do enhance consumption through higher income levels and decreased income volatility.This research broadens the application of digital capabilities in consumption studies,confirms their positive impact on household income and consumption growth,and contributes to the evolving field of household finance in the digital age.

关 键 词：数字能力 家庭消费 收入水平 收入波动性 数字经济 

分 类 号：F832[经济管理—金融学] F126