摘要
基于互联网技术的数字普惠金融与居民消费存在紧密联系,数字普惠金融对农村居民消费的影响效果存在异质性。受近期新冠肺炎疫情影响,数字普惠金融发挥出普惠优势,让地处边远的农村居民也切实享受到便利的消费服务。基于我国实际情况,通过搜集2014—2018年我国31个省(自治区)的数字普惠金融指数和农村居民消费水平数据,构建省级面板模型进行实证分析。结果显示:(1)数字普惠金融能通过缓解收入约束和流动性约束,以及平滑移动支付三种机制影响农村居民消费;(2)基于全国整体视角,数字普惠金融对我国农村居民消费水平的正向影响显著,但各地区受影响程度存在异质性;(3)数字普惠金融显著促进交通和通信、医疗保健等消费。最后,基于研究结论,为了进一步推动数字普惠金融发展促进农村居民消费从而拉动经济增长,提出相关建议。
The digital inclusive finance based on Internet technology is closely related to the consumption of rural residents,and the effect of digital inclusive finance on the consumption of rural residents is heterogeneous.Affected by the recent COVID-19 pandemic,digital inclusive finance has played a predominant advantage,enabling rural remote residents to enjoy convenient consumption services.Based on the actual situation of China,by collecting the data of digital inclusive financial index and consumption level of rural residents in 31 provinces(autonomous regions)in 2014—2018,a provincial panel model is constructed for empirical analysis.The results show that:(1)digital inclusive finance can affect rural residents'consumption by alleviating income and liquidity constraints and smoothing mobile payment;(2)based on the overall perspective of the whole country,digital inclusive inance has a significant positive impact on the consumption level of rural residents in China,but the degree of impact varies in different regions;(3)digital inclusive finance can significantly promote transportation and communications,health care and other consumption.Finally,some relevant suggestions are put forward in order to further promote the development of digital inclusive finance,promote rural residents'consumption and promote economic growth.
作者
王刚贞
刘婷婷
WANG Gangzhen;LIU Tingting(School of Finance,Anhui University of Finance and Economics,Bengbu 233000,China)
出处
《山西农业大学学报（社会科学版）》
2020年第5期74-83,共10页
Journal of Shanxi Agricultural University:Social Science Edition
基金
安徽省高等学校人文社会科学研究项目(2019)
安徽省哲学社会科学规划项目(AHSKY20190086)。
关键词
数字普惠金融
农村居民消费
异质性影响
Digital Inclusive Finance
Rural residents'consumption
Heterogeneity impact
