数字金融使用与农村居民消费不平等  

Digital Finance Use and Rural Resident Consumption Inequality

作　　者：高兆祥 温涛[1] GAO Zhao-xiang;WEN Tao(College of Economies and Management,Southwest University,Chongqing 400715,China)

机构地区：[1]西南大学经济管理学院,重庆400715

出　　处：《山西财经大学学报》2025年第2期57-70,共14页Journal of Shanxi University of Finance and Economics

基　　金：国家社会科学基金重大项目(21ZDA062);国家社会科学基金重点项目(20AZD080)。

摘　　要：基于2021年中国家庭金融调查(CHFS)数据实证研究发现,数字金融使用能够显著缓解农村居民的消费不平等,并体现出相当的消费升级效应。机制分析表明,数字金融使用可通过缓解流动性约束、缓解收入不平等、降低预防性储蓄和促进社会互动来缓解农村居民消费不平等。调节效应分析显示,当金融素养自信的农村居民进行数字金融使用时,金融素养在数字金融使用缓解农村居民消费不平等的关系中具有正向调节作用。异质性分析表明,数字金融使用对农村中低年龄群体、农村相对贫困群体以及基本公共服务低供给地区农村居民消费不平等的缓解作用更强。Based on data from 2021 China Household Finance Survey(CHFS),an empirical research found that digital finance use could significantly alleviate rural resident consumption inequality,and reflected a considerable consumption upgrading effect.Mechanism analysis showed that,intermediary mechanisms in this relationship included easing liquidity constraints,mitigating income inequality,reducing precautionary savings,and promoting social interaction.Moderation effect analysis revealed that,when rural residents with confidence in financial literacy used digital finance,financial literacy had a positively moderating effect on the relationship between digital finance use and the alleviation of rural resident consumption inequality.Heterogeneity analysis reflected that the alleviating effect of digital finance use was more profound among middle-age and younger rural residents,relatively impoverished rural residents,and those living in areas with limited access to basic public services.

关 键 词：数字金融使用 农村居民消费 消费不平等 流动性约束 收入不平等 预防性储蓄 社会互动 金融素养 

分 类 号：F832[经济管理—金融学] F328