安徽省数字普惠金融对城乡消费差距影响的实证研究  

An Empirical Study on the Impact of Digital Inclusive Finance on the Urban Rural Consumption Gap in Anhui Province

作　　者：章鹏 ZHANG Peng(China Construction Bank Co.,Ltd.Xuancheng Branch,Xuancheng,242000,China)

机构地区：[1]中国建设银行股份有限公司宣城市分行,安徽宣城242000

出　　处：《哈尔滨学院学报》2025年第1期53-57,共5页Journal of Harbin University

摘　　要：在数字技术的赋能下,数字普惠金融已突破时间和空间的限制,为金融服务的深层次发展注入了新的活力,也对城乡消费差距产生了影响。文章通过构建2011-2021年安徽省16个地级市面板数据的固定效应模型,实证检验了数字普惠金融发展对城乡居民消费差距的影响效应。研究结果显示:安徽省数字普惠金融的发展能够有效抑制城乡消费差距的扩大;数字普惠金融发展对城乡消费差距的影响存在区域异质性,经济活跃地区数字普惠金融发展对城乡消费差距的抑制作用更为明显;城镇化水平的提升、政府干预度的提升均能有效抑制城乡消费差距的扩大,而经济开放度的提升会拉大城乡消费差距。因此,提出注重和统筹数字普惠金融发展、完善数字普惠金融监管、健全数字普惠金融服务体系等建议,借助其普惠性、高效性和便捷性赋能居民消费增长,以期对缩小城乡消费差距有所助益。Empowered by digital technology,digital inclusive finance has broken through the limitations of time and space,injected new vitality into the deep development of financial services,and also had an impact on the urban-rural consumption gap.This paper empirically tests the impact of digital inclusive finance development on the consumption gap between urban and rural residents by constructing a fixed effect model of panel data of 16 prefecture level cities in Anhui Province from 2011 to 2021.The research results show that the development of digital inclusive finance in Anhui Province can effectively curb the widening of the urban-rural consumption gap;The impact of the development of digital inclusive finance on the urban-rural consumption gap exhibits regional heterogeneity,with the inhibitory effect of digital inclusive finance development on the urban-rural consumption gap being more pronounced in economically active areas;The improvement of urbanization level and government intervention can effectively curb the widening of urban-rural consumption gap,while the improvement of economic openness will widen the urban-rural consumption gap.Therefore,it is proposed to focus on and coordinate the development of digital inclusive finance,improve the supervision of digital inclusive finance,establish a sound digital inclusive finance service system,and empower residents’consumption growth with its inclusiveness,efficiency,and convenience,in order to help narrow the urban-rural consumption gap.

关 键 词：普惠金融 数字 城乡消费 

分 类 号：F832.35[经济管理—金融学]