数字普惠金融与农村居民消费  

Digital Financial Inclusion and Rural Consumption

作　　者：公维才[1] 李丛 张钰 Gong Weicai;Li Cong;Zhang Yu(Liaocheng University,Liaocheng 252000,Shandong,China)

机构地区：[1]聊城大学,山东聊城252000

出　　处：《金融发展研究》2025年第3期84-92,共9页Journal Of Financial Development Research

基　　金：山东省社会科学规划研究重点项目“山东省居家社区养老服务质量评价与提升对策研究”(20BJJJ03)。

摘　　要：充分挖掘农村消费潜力对于扩大内需和强化经济内生增长动力具有深远意义。本文采用2011—2021年中国省级面板数据实证检验数字普惠金融对农村居民消费的影响。研究发现,数字普惠金融能够显著扩大农村居民消费需求,影响程度从大到小依次是数字化程度、覆盖广度、使用深度;数字普惠金融对农村居民发展及享受型消费的促进作用要大于生存型消费;数字基础设施与农村人力资本可以正向调节数字普惠金融对农村居民消费的促进效应;数字普惠金融对西部地区农村居民的消费促进效应强于中东部地区,在数字技术与金融发展水平较高地区的促进效应亦更强。相关研究为推动数字普惠金融发展与农村消费需求提升提供了经验借鉴。Fully tapping the potential of rural consumption is of far-reaching significance for expanding domestic demand and strengthening the dynamics of endogenous economic growth.This paper empirically examines the impact of digital inclusive finance on rural residents'consumption using provincial-level panel data in China from 2011 to 2021.The study found that digital financial inclusion can significantly expand the consumption demand of rural residents,with the effects being,in descending order,the degree of digitization,breadth of coverage,and depth of use;digital inclusive finance promotes rural residents'development and enjoyment consumption more than subsistence consumption;digital infrastructure and rural human capital can positively regulate the promotion effect of digital inclusive finance on rural residents'consumption;digital financial inclusion has a stronger effect on the consumption of rural residents in the western region than in the central and eastern regions,and the effect is also stronger in regions with higher levels of digital technology and financial development.The study provides lessons for promoting the development of digital inclusive finance and rural consumption demand.

关 键 词：数字普惠金融 居民消费需求 数字基础设施 农村人力资本 

分 类 号：F832[经济管理—金融学]