摘要
基于我国省级面板数据,从宏观层面实证研究数字金融对消费潜力的释放作用。结果表明,数字金融的发展能够显著释放我国居民消费潜力。从不同维度看,数字金融覆盖广度和数字化程度均释放了消费潜力,而数字金融使用深度对消费潜力的释放作用并不显著。从收入情况看,不同来源收入在显著促进消费的同时不改变数字金融发展对消费影响效应的显著性;收入差距抑制了数字金融对消费的促进效应。从不同区域看,数字金融显著提升了我国东部和西部地区整体消费水平,而对中部地区整体消费水平没有明显的提升作用。建议加强数字金融基础设施建设,完善数字金融促进消费增长的长效机制,充分发挥数字金融在提高居民收入水平和生活水平上的作用,注重数字金融发展的区域协调性。
Based on the provincial panel data of China,this paper empirically studies the release effect of digital finance on consumption potential at the macro level.The results show that the development of digital finance can significantly release the consumption potential of Chinese residents.From different dimensions,the coverage of digital finance and the degree of digitalization have released the consumption potential,while the depth of digital finance use has no significant effect on the release of consumption potential.From the perspective of income,different sources of income significantly boost consumption without changing the significance of the impact of digital finance development on consumption,and the income gap inhibits the boosting effect of digital finance on consumption.From the perspective of different regions,digital finance has significantly boosted aggregate consumption in the eastern and western regions of China,while it has no significant effect on aggregate consumption in the central region.It is suggested to strengthen the construction of digital financial infrastructure and improve the long-term mechanism of digital finance to promote consumption growth,give full play to the role of digital finance in increasing residents income and improving their living quality,and lay emphasis on regional coordination of digital finance development.
作者
胡若冰
贤成毅
Hu Ruobing;Xian Chengyi(School of Economics and Management,Guangxi Normal University,Guilin 541006,China)
出处
《无锡商业职业技术学院学报》
2023年第2期23-32,41,共11页
Journal of Wuxi Vocational Institute of Commerce
关键词
数字金融
人均消费
消费潜力
digital finance
per capita consumption
consumption potential
