数字普惠金融对农村消费结构和城乡差距的影响研究  

A Study on the Impact of Digital Inclusive Finance on Rural Consumption Structure and Urban-Rural Disparities

作　　者：张睿骁 李隆伟[2] Zhang Ruixiao;Li Longwei(School of Economics and Management,China Agricultural University,Beijing 100083;Institute of Agricultural Economics and Information,Yunnan Academy of Agricultural Sciences,Kunming,Yunnan 650205)

机构地区：[1]中国农业大学经济管理学院,北京100083 [2]云南省农业科学院农业经济与信息研究所,云南昆明650205

出　　处：《中国商论》2025年第7期9-13,共5页China Journal of Commerce

摘　　要：本文聚焦于数字普惠金融对农村家庭消费结构的影响研究,旨在开拓家庭微观领域的研究边界。鉴于农村消费供给相对薄弱的现实情况,本文运用主成分分析构建家庭数字普惠金融指数作为核心解释变量,经过回归分析,深入探究其对农村家庭消费结构的影响。研究发现,数字普惠金融可以显著提升城市家庭消费结构,但对农村家庭的影响并不明显。本文进一步通过对样本分组回归及进行组间系数差异检验,结果表明数字普惠金融在改善消费结构方面存在数字鸿沟,这会导致城市家庭和农村家庭在消费结构上的差异进一步扩大。同时,回归结果显示,教育水平的提升有助于优化消费结构,并缩小城乡之间的差距。基于此,本文提出以下建议:优化农村消费环境,增加相关农村发展型和享受型消费产品的供给;坚持加强农村教育建设,以充分发挥教育水平提升对消费结构升级的带动作用。This study examines the impact of digital inclusive finance on the consumption structure of rural households,expanding the research boundaries in the micro-level household domain.Based on the reality of weak rural consumption supply,the study constructs a household digital fi nancial inclusion index using principal component analysis as the core explanatory variable.The regression analysis explores its impact on consumption structure,confi rming that digital fi nance can signifi cantly improve the consumption structure of urban households but has a less pronounced eff ect on rural households.By conducting grouped regression analysis and inter-group coefficient difference tests,the study further demonstrates that the role of digital fi nancial inclusion in improving consumption structure is hindered by a digital divide,which widens the disparity between urban and rural household consumption structures.However,the regression results indicate that improvements in education levels can enhance consumption structure and reduce the urban-rural gap.Empirical fi ndings recommend optimizing the rural consumption environment and increasing the supply of related consumer goods,as well as persistently strengthening rural education to drive the upgrading of consumption structure through improved education levels.

关 键 词：数字普惠金融 农村消费结构 数字鸿沟 主成分分析 组间系数差异检验 

分 类 号：F832.35[经济管理—金融学] F323.8