数字普惠金融提升我国农村居民消费水平的路径研究  

Research on the path of digital inclusive finance to raise rural residents′consumption level in China

作　　者：方忠[1] 陈舒悦 FANG Zhong;CHEN Shuyue(College of Economics,Fujian Normal University,Fuzhou,Fujian 350007,China)

机构地区：[1]福建师范大学经济学院,福建福州350007

出　　处：《福建农林大学学报（哲学社会科学版）》2024年第2期32-41,共10页Journal of Fujian Agriculture and Forestry University(Philosophy and Social Sciences)

基　　金：国家社会科学基金一般项目(18BJL127)。

摘　　要：基于2012—2021年我国210个地级市的面板数据,构建双向固定效应模型和中介效应模型实证研究数字普惠金融对农村居民消费水平的影响,以及人力资本水平在数字普惠金融对农村居民消费水平影响中的中介效应,并进一步分析影响的区域异质性和数字普惠金融结构异质性。研究发现:数字普惠金融对农村居民消费水平具有显著的正向影响;人力资本水平在数字普惠金融对农村居民消费水平的影响中具有正向的中介效应;数字普惠金融对农村居民消费水平的影响存在显著的区域异质性,其中,数字普惠金融对东部地区农村居民消费水平具有显著的正向影响,对中部地区和西部地区农村居民消费水平则影响不显著;数字普惠金融对农村居民消费水平的影响存在显著的结构异质性,其中,使用深度和数字化程度对农村居民消费水平具有显著的正向影响,覆盖广度对农村居民消费水平则影响不显著。据此,提出推进数字普惠金融的发展与推广、强化数字普惠金融在人力资本培育中的作用、因地制宜发展数字普惠金融、推动数字普惠金融结构均衡发展等对策,以不断释放农村地区消费潜力,促进农村居民消费水平提升。Based on the panel data of 210 prefecture-level cities in China from 2012 to 2021,the two-way fixed effects model and the mediating model are constructed to analyze the impact of digital inclusive finance on rural residents′consumption level,as well as the mediating effect of human capital in the relationship between digital inclusive finance and rural residents′consumption level.It further analyzes the regional heterogeneity and structural heterogeneity of the impact.It is found that digital inclusive finance significantly promotes the consumption level of rural residents,and the level of human capital plays a positive mediating effect in the process.And the impact has significant regional heterogeneity.Of which,digital inclusive finance has a significant positive impact on the consumption level of rural residents in the eastern region,while it has no impact on that in the central and western regions.In addition,the influence of different dimensions of digital inclusive finance on rural residents′consumption level is significantly heterogeneous.The depth of use and the degree of digitalization have a significant positive impact on rural residents′consumption level,while the coverage has no significant impact on rural residents′consumption level.Based on these findings,this paper proposes countermeasures such as enhancing the development and promotion of digital inclusive finance,strengthening its role in human capital cultivation,developing digital inclusive finance according to local conditions,and promoting balanced development of digital inclusive finance structures,so as to continuously release the consumption capacity in rural areas and raise the consumption levels of rural residents.

关 键 词：数字普惠金融 农村居民消费水平 人力资本水平 

分 类 号：F832.29[经济管理—金融学] F323.8