数字普惠金融对居民消费影响的研究
Research on the Impact of Digital Financial Inclusion on Residents'Consumption
桂瑞雪1
作者信息
- 1. 香港中文大学 系统工程与工程管理系,香港 999077
- 折叠
摘要
分析 31 个省(区、市)的面板数据,考察数字普惠金融发展对居民消费造成的影响.实证结果表明:数字普惠金融的发展显著提升了居民的消费支出.相较于中部地区和西部地区,东部地区所受影响较为明显,其居民对数字普惠金融发展的反映程度较大.当社会环境及经济指标与数字普惠金融发展相适应时,刺激居民消费的正向作用将被会放大.根据研究结果,为实现数字普惠金融的长久可持续发展,提出了加大政府支持、消除区域差异、加强市场监管等建议.
Abstract
Based on the panel data of 31 provincial units across the country,the impact of the development of digital inclusive finance in China on residents'consumption is examined.The empirical results show that the development of digital financial inclusion has significantly increased residents'consumption expenditure.Compared with the central and western regions,the impact on the eastern region is more obvious,and its residents have a greater reflection of the development of digital financial inclusion.When the social environment and economic indicators are compatible with the development of digital financial inclusion,the positive effect of stimulating residents'consumption will be amplified.Based on the results of the study,suggestions such as increasing government support,eliminating regional differences,and strengthening market regulation in order to achieve the long-term sustainable development of digital inclusive finance are proposed.
关键词
数字普惠金融/居民消费/实证分析Key words
digital financial inclusion/resident consumption/empirical analysis引用本文复制引用
出版年
2024
NETL
NSTL
万方数据