数字普惠金融、居民消费结构与区域性金融风险  

Digital Financial Inclusion,Resident Consumption Structure and Regional Financial Risk

作　　者：殷梦瑶 Yin Mengyao(Hunan Agricultural University Business School,Changsha 410000,Hunan)

机构地区：[1]湖南农业大学商学院,湖南长沙410000

出　　处：《中国商论》2024年第15期94-98,共5页China Journal of Commerce

摘　　要：本文基于2011—2020年中国31个省份的面板数据,借助北京大学数字普惠金融指数,对地区数字普惠金融的发展状况进行了量化评估,通过覆盖广度、使用深度及数字化程度三个关键指标检验了数字普惠金融如何影响区域性金融风险,并探讨了居民消费结构在两者间的机制作用。研究表明,数字普惠金融的推广和发展显著降低了区域性金融风险,普及高效的金融服务在增强区域金融稳定性方面起到了积极作用;居民消费结构在数字普惠金融与区域性金融风险之间扮演了重要的中介角色。结合上述研究结论,文章创新性地构思了在数字普惠金融环境下有效预防和消解区域性金融风险的建议,以供参考。Using panel data from 31 provinces in China spanning the years 2011 to 2020,this paper quantitatively assesses the development status of regional digitalfinancial inclusion based on the Peking University Digital Financial Inclusion Index of China.This paper examines how digitalfinancial inclusion impacts regionalfinancial risks through three key indicators:the breadth of coverage,the depth of use,and the degree of digitization,and explores the mechanism and role of resident consumption structure between them.The study reveals that promoting and expanding digitalfinancial inclusion significantly mitigates regionalfinancial risks.Widespread and efficientfinancial services contribute positively to regionalfinancial stability.Additionally,the resident consumption structure serves as a crucial intermediary between digital financial inclusion and regional financial risks.Based on the above findings,this paper innovatively proposes suggestions for effectively preventing and resolving regionalfinancial risks in the context of digitalfinancial inclusion,for reference.

关 键 词：数字普惠金融 区域性金融风险 稳健性 中介效应 覆盖广度 使用深度 数字化程度 

分 类 号：F832[经济管理—金融学] F063.2