数字普惠金融与消费升级研究  

Research on Digital Inclusive Finance and Consumer Upgrading

作　　者：祝合良[1,2] 赵乔 ZHU Heliang;ZHAO Qiao(School of Economics,Capital University of Economics and Business,Beijing 100071 China;School of Economics and Management,Beijing University of Technology,Beijing 100124 China)

机构地区：[1]首都经济贸易大学经济学院,北京100071 [2]北京工业大学经济管理学院,北京100124

出　　处：《商业经济与管理》2024年第5期25-39,共15页Journal of Business Economics

基　　金：北京社会科学基金重大项目暨北京市习近平新时代中国特色社会主义思想研究中心项目“构建以国内大循环为主体、国内国际双循环相互促进的新发展格局研究”(21LLYJA006)。

摘　　要：面对经济下行的压力,消费的基础性作用愈发凸显。数字普惠金融凭借其包容性和可得性,近年来快速发展,为驱动消费升级创造了条件。从微观视角分析数字普惠金融与消费升级的关系发现,数字普惠金融通过融通机制、财富机制、便捷机制和流动机制对消费升级产生驱动效应。从区域和主体异质性来看,数字普惠金融对城镇家庭、西部家庭、青年户主家庭、高学历户主家庭、低收入家庭、中等消费层次家庭的消费升级驱动效应较强。数字贸易对数字普惠金融驱动消费升级的直接效应、中介效应均产生先降后升的“U”型调节效应。为进一步发挥数字普惠金融的消费升级效应和数字贸易的调节效应,提出加快发展数字普惠金融、促进数字贸易全面高质量发展等建议。Faced with downward economic pressure the fundamental role of consumption is becoming increasingly prominent.Digital inclusive finance with its inclusiveness and accessibility has developed rapidly in recent years creating conditions for driving consumption upgrading.From a micro perspective analyzing the relationship between digital inclusive finance and consumption upgrading we find that digital inclusive finance drives consumption upgrading through financing mechanisms wealth mechanisms convenience mechanisms and flow mechanisms.From the perspective of regional and subject heterogeneity digital inclusive finance has a strong driving effect on consumption upgrading for urban households western households youth headed households highly educated households low-income households and households with moderate consumption levels.The direct and intermediary effects of digital trade on the upgrading of consumption driven by digital inclusive finance have a U-shaped regulatory effect of first decreasing and then increasing.To further leverage the consumption upgrading effect of digital inclusive finance and the regulatory effect of digital trade suggestions are proposed to accelerate the development of digital inclusive finance and promote the comprehensive and high-quality development of digital trade.

关 键 词：数字普惠金融 消费升级 数字贸易 流动性约束 数字鸿沟 

分 类 号：F724.6[经济管理—产业经济] F832.1