数字金融对县域居民消费的影响水平与机制分析  

The Effects and Mechanisms of Digital Finance on Household Consumption in Chinese Counties

作　　者：蒲丽娟[1] 周杰 Pu Li-juan;Zhou Jie

机构地区：[1]中共四川省委党校区域经济教研部 [2]中共四川省委党校

出　　处：《四川行政学院学报》2025年第2期74-88,103,104,共17页Journal of Sichuan Administration Institute

基　　金：国家社科基金“社会资本支持西部民族地区减贫的投资博弈与市场完善研究”(项目编号:16XMZ094)。

摘　　要：本研究旨在探讨数字金融对县域居民消费的影响及其内在机制。通过实证分析中国家庭金融调查数据与北京大学数字普惠金融指数,发现数字金融显著促进了县域居民的消费水平。机制分析表明,数字金融的便捷支付功能提升了居民消费效率与支付意愿;通过优化信贷市场交易方式,数字金融缓解了县域居民的流动性约束,增强了消费活力;此外,数字金融的保险业务降低了居民的预防性储蓄,提升了消费信心。研究还发现,数字金融对县域居民的生存型和享受型消费有显著促进作用,但对发展型消费影响为负,可能与县域居民的消费观念及金融工具使用不当有关。整体来看,数字金融在促进县域消费增长、优化消费结构方面发挥了重要作用,为政策制定提供了参考依据。This study explores the effects of digital finance on ousehold consumption in Chinese counties and its underlying mechanisms.Using empirical analysis based on the China Household Finance Survey data and the Peking University Digital Inclusive Finance Index,the findings indicate that digital finance significantly enhances county residents'consumption levels.Mechanism analysis reveals that the convenient payment functions of digital finance improve consumption efficiency and willingness to spend;by optimizing credit market transactions,digital finance alleviates liquidity constraints and boosts consumption vitality;moreover,its insurance services reduce precautionary savings and enhance consumer confidence.The study also finds that digital finance significantly promotes both subsistence and enjoyment-oriented consumption,while its impact on development-oriented consumption is negative,possibly due to county residents'consumption perceptions and improper use of financial tools.Overall,digital finance plays a crucial role in fostering consumption growth and optimizing consumption structure in county areas,offering valuable insights for policymaking.

关 键 词：数字金融 县域居民消费 消费结构 

分 类 号：F49[经济管理—产业经济] F832F126.1