摘要
文章利用我国2013—2020年省(区、市)面板数据,运用固定效应模型、中介效应模型和门槛效应模型,探究数字普惠金融对城乡消费差距的影响。研究发现:数字普惠金融的发展促进了居民消费水平的提升,且对农村居民的作用更大,有利于缩小城乡消费差距。数字普惠金融通过缩小城乡收入差距和提高人力资本水平缩小城乡消费差距。数字普惠金融对城乡消费差距的影响存在消费结构差异和区域差异,即数字普惠金融的发展更有利于缩小城乡发展享乐性消费差距;对中西部地区城乡消费差距的缩小效应更显著。随着研发投入规模的提升,数字普惠金融对城乡消费差距的缩小效应增强。
Based on the provincial panel data from 2013 to 2020,this paper explores the impact of the digital financial inclusion on the urban-rural consumption gap by using fixed effect model,the intermediary effect model and the threshold effect model.The findings are as follows:Digital inclusive finance promotes the improvement of residents consumption level and has a greater effect on rural residents,which is conducive to narrowing the urban-rural consumption gap.Digital inclusive finance affects the urban-rural consumption gap by narrowing the urban-rural income gap and improving the level of human capital.The impact of digital inclusive finance on the urban-rural consumption gap has differences in consumption structure and regional differences.The development of digital inclusive finance is more conducive to narrowing the urban-rural developmental and hedonic consumption gap.The effect of narrowing the urban-rural consumption gap is more significant in the central and western regions.With the increase of the scale of R&D investment,the narrowing effect of digital inclusive finance on the urban-rural consumption gap has been enhanced.
作者
李晓钟
邓杰
LI Xiaozhong;DENG Jie(School of Economics,Hangzhou Dianzi University,Hangzhou Zhejiang 310018,China)
出处
《杭州电子科技大学学报（社会科学版）》
2023年第3期11-20,共10页
Journal of Hangzhou Dianzi University：Social Sciences
基金
国家社会科学基金重大项目(17ZDA054)。
关键词
数字普惠金融
城乡消费差距
收入差距
人力资本
研发投入
digital inclusive finance
urban-rural consumption gap
income gap
human capital
R&D investment
