首页|数字普惠金融对农村居民消费的影响

数字普惠金融对农村居民消费的影响

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数字普惠金融可以通过提高农村金融服务的便利性,推动农村居民消费的增长.湖北作为农业大省,探究数字普惠金融对农村居民消费的作用对于激发消费潜力、推动乡村振兴具有重要意义.基于 2011-2020 年湖北 11 个地级市的面板数据,采用混合面板数据模型,实证分析数字普惠金融对农村居民消费的影响.研究发现,发展数字普惠金融,能对农村居民消费产生正向影响;对数字普惠金融进一步分析表明,数字普惠金融的使用深度与覆盖广度对农村居民消费的推动作用更为明显,但数字普惠金融的数字化对农村居民消费的带动作用还没有充分发挥出来.通过更换计量模型、核心解释变量度量方式和缩短样本期等方法对估计结果进行稳健性检验,上述研究结论依然成立.据此提出了完善数字普惠金融基础设施、提升农村居民数字金融素养、提高农村居民收入水平等建议.
Impact of Digital Inclusive Finance on Rural Residents'Consumption
Digital inclusive finance can promote the growth of rural residents'consumption by improving the convenience of rural financial services.As a major agricultural province,exploring the role of digital inclusive finance in rural residents'consumption in Hubei province is of great significance for stimula-ting consumption potential and promoting rural revitalization.Based on panel data from 11 prefecture level cities in Hubei Province from 2011 to 2020,a mixed panel data model was used to empirically an-alyze the impact of digital inclusive finance on rural residents'consumption.Research has found that the development of digital inclusive finance can have a positive impact on rural residents'consumption.Further analysis of digital inclusive finance shows that the depth and coverage of its use have a more significant driving effect on rural residents'consumption.The digital role of digital inclusive finance has not yet been fully realized.The robustness of the estimation results was tested by using methods such as replacing econometric models,replacing core explanatory variable measurement methods,and shortening sample periods.The above research conclusion is still valid.Based on this,suggestions are proposed to improve the digital inclusive financial infrastructure,enhance the digital financial literacy of rural residents,and increase the income level of rural residents.

Digital Inclusive FinanceRural Residents'ConsumptionDigitizationExpand Domestic DemandCommon Prosperity

魏宇瞳、王琼

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江汉大学 商学院

武汉城市圈制造业研究中心,湖北 武汉 430056

数字普惠金融 农村居民消费 数字化 扩大内需 共同富裕

教育部人文社会科学研究青年基金项目江汉大学校级科研项目资助计划武汉城市圈制造业发展研究中心基金项目

17YJC79011532023XZD02W2021Y06

2024

科技创业月刊
湖北省科技信息研究院

科技创业月刊

影响因子:0.254
ISSN:1672-2272
年,卷(期):2024.37(4)
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