数字普惠金融与家庭消费结构升级  

Digital Inclusive Finance and Upgrading of Household Consumption Structure

作　　者：金春雨[1,2] 孙玉娇[2] JIN Chun-yu;SUN Yu-jiao(Center for Quantitative Economics,Jilin University,130012;College of Business and Management,Jilin University,130012)

机构地区：[1]吉林大学数量经济研究中心,130012 [2]吉林大学商学与管理学院,130012

出　　处：《上海经济研究》2024年第11期79-91,共13页Shanghai Journal of Economics

基　　金：国家社会科学基金重点项目“经济下行压力下的稳增长防滞胀研究”(项目编号:22AJL016)阶段性成果之一。

摘　　要：基于当前我国内需不足、消费低迷、经济增长乏力的现实,利用CFPS微观数据构建QUAIDS模型刻画我国居民家庭消费结构,实证分析数字普惠金融对家庭消费总量与消费结构的影响,并进一步从收入分层视角比较数字普惠金融对低收入、中等收入、高收入家庭消费结构的异质性影响。研究发现,数字普惠金融既能促进家庭消费总量增加,又能推动消费结构升级;数字普惠金融覆盖广度、使用深度和数字化程度三个子维度均在不同程度上对消费结构升级起到了促进作用;数字普惠金融能够推动中高收入家庭消费结构升级,促进低收入家庭食品、衣着、教育、医疗等民生消费,增强低收入家庭民生福祉。研究结论为我国释放消费潜力、增强双循环内生动力提供微观证据。Based on the current reality of insufficient domestic demand,sluggish consumption and weak economic growth,this paper uses CFPS micro data to build a QUAIDS model to depict China's household consumption structure,empirically analyze the impact of digital inclusive finance on the total household consumption and consumption structure,and further compare the heterogeneous impact of digital inclusive finance on the consumption structure of low-income,middle-income and high-income households from the perspective of income stratification.The research finds that digital inclusive finance can not only promote the increase of total household consumption,but also promote the upgrading of consumption structure.The three sub dimensions of coverage breadth,usage depth and digitalization degree of digital inclusive finance all play a promoting role in upgrading the consumption structure on varying degrees.Digital inclusive finance can promote the upgrading of the consumption structure of middle-income and high-income families,promote the livelihood consumption of low-income families such as food,clothing,education and medical care,and enhance the well-being of low-income families.The research conclusion provides micro evidence for China to release consumption potential and enhance the endogenous power of double cycle.

关 键 词：数字普惠金融 家庭消费 消费结构升级 收入分层 QUAIDS模型 

分 类 号：F49[经济管理—产业经济] F832F126.1