数字普惠金融对我国农村居民消费的影响研究  

Research on the Impact of Digital Inclusive Finance on Rural Residents' Consumption in China

作　　者：蔡青青[1] 冯诗宇 许泱[1] CAI Qing-qing;FENG Shi-yu;XU Yang(School of Economics and Management,Hubei University of Science and Technology,Xianning 437100,China)

机构地区：[1]湖北科技学院经济与管理学院,湖北咸宁437001

出　　处：《湖北科技学院学报》2025年第2期26-34,共9页Journal of Hubei University of Science and Technology

基　　金：湖北省高等学校哲学社会科学研究重大项目“湖北农业供给侧结构性改革研究”(20ZD089);大学生创新训练项目“数字金融赋能乡村振兴的机制及路径研究”(S202210927015)。

摘　　要：基于2011—2022年中国内地地区31个省份的面板数据,借助固定效应模型,分别从整体层面和分维度实证检验数字普惠金融对农村居民消费的影响,并讨论其区域异质性。结果表明:数字普惠金融指数逐年增长,并呈现“东高西低”状态;农村居民人均消费支出呈现上升趋势且边际消费倾向易受突发事件影响,其中,东部地区消费水平最高,中部地区次之,西部地区最低;无论是全国层面还是区域层面,数字普惠金融对农村居民消费均具有正向促进作用,但对西部和东部地区的影响较大,对中部地区的影响较小;分维度来看,使用深度对农村居民消费的促进作用尚未发挥出来。Based on the panel data of 31 provinces in Chinese Mainland from 2011 to 2022,this paper empirically tests the impact of digital inclusive finance on rural residents' consumption from the overall level and dimensions,and discusses its regional heterogeneity with the help of the fixed effect model.The research results indicate that:firstly,the digital inclusive finance index has been increasing year by year and showing a “high in the east and low in the west” state;Secondly,the per capita consumption expenditure of rural residents is showing an upward trend,and the marginal propensity to consume is easily affected by unexpected events.Among them,the consumption level is highest in the eastern region,followed by the central region,and lowest in the western region;Again,whether at the national or regional level,digital inclusive finance has a positive promoting effect on rural residents' consumption,but it has a greater impact on the western and eastern regions,and a smaller impact on the central region;Finally,in terms of dimensions,the promotion effect of using depth on rural residents' consumption has not yet been fully realized.

关 键 词：数字普惠金融 农村居民消费 金融包容性增长 流动性约束 区域异质性 

分 类 号：F82[经济管理—财政学] F84