数字政府建设与中老年家庭消费  

Digital Government Development and Consumption in Middle-aged and Elderly Households

作　　者：易行健 李青塬 杨碧云 YI Xingjian;LI Qingyuan;YANG Biyun(School of Finance,Guangdong University of Foreign Studies,Guangzhou 510006,China)

机构地区：[1]广东外语外贸大学金融学院,广东广州510006

出　　处：《广东财经大学学报》2025年第1期4-17,共14页Journal of Guangdong University of Finance & Economics

基　　金：国家社会科学基金项目(23BJL127)。

摘　　要：随着人口老龄化程度的不断加深,中老年家庭消费的重要性日益凸显。作为推进国家治理体系和治理能力现代化的重要举措,数字政府建设能否促进中老年家庭消费这一问题引起广泛关注。对此,基于数字政府指数与中国家庭金融调查(CHFS)数据进行实证检验,研究发现:数字政府建设显著提高了中老年家庭消费,主要通过提高家庭收入、缓解预防性储蓄压力和流动性约束三个机制发挥作用。异质性分析表明,数字政府建设对农村中低收入家庭以及中年男性户主家庭消费水平的提高更为显著。本研究为理解数字政府建设在促进消费和增加社会福利中的重要性提供经验证据。With the serious population aging,the consumption of the middle-aged and elderly households has become increasingly important.Can the digital government,as a key initiative to modernize China's system and capacity for governance promote consumption in middle-aged and elderly households?This study empirically examines this question based on the Digital Government Index and data from the China Household Finance Survey(CHFS).The findings indicate that the building of a digital government significantly enhances the consumption of middle-aged and elderly households,mainly through three mechanisms:increasing household income,alleviating precautionary savings pressure,and easing liquidity constraints.Heterogeneity analysis indicates that the building of a digital government has a more pronounced effect on improving consumption levels among the rural low-income and middle-income households,and the families with middle-aged male householders.This study provides empirical evidence on the importance of building a digital government in promoting consumption and enhancing social welfare.

关 键 词：数字政府 养老金融 家庭消费 预防性储蓄 

分 类 号：F126[经济管理—世界经济]