The vigorous development of digital inclusive finance has played an increasingly significant role in promoting personal consumption credit and urban residents'income.Based on the literature review,this paper theoretically analyzes the role of digital inclusive finance on personal consumption credit and the intermediary role of urban residents'income.Based on the panel data of 31 provinces and cities in China from 2011 to 2022,this paper comprehensively uses random effects,fixed effects,Ols,Hausman test and other methods to conduct empirical tests.The research finds that digital inclusive finance has a very significant positive relationship with personal consumption credit,and the development of digital inclusive finance is conducive to improving the level of personal consumption credit.The income of urban residents has a significant positive impact on personal consumption credit.There is a masking effect between residents'income and inclusive finance and personal consumption credit,and the effect value is about 0.081;In the regional study,the intermediary effect is more obvious in the central and eastern regions than in the western regions.
关键词
数字普惠金融/消费信贷/居民收入/中介效应
Key words
digital inclusive finance/consumer credition/personal income/the mediation effection
维普
万方数据