摘要
数字普惠金融作为数字经济的重要组成部分,对于居民消费具有显著的积极影响,是现阶段恢复和扩大居民消费的重要手段。数字普惠金融具有全面突破时空限制、有效降低交易成本和准确评估用户风险的特点,通过支付环境便利化机制、预防性储蓄降低机制、流动性约束缓解机制和可支配收入增加机制等有效促进居民消费。为充分发挥数字普惠金融对居民消费的积极促进作用,可从大力发展数字基建、加大数字普惠金融产品创新力度、加强居民金融素质教育和完善金融监管等四个方面采取一系列有针对性的对策。
Digital inclusive finance,as an important component of the digital economy,has a significant positive impact on household consumption and is an important means to restore and expand household consumption at present.Digital inclusive finance has the characteristics of comprehensively breaking through time and space limitations,effectively reducing transaction costs,and accurately assessing user risks.It effectively promotes household consumption through mechanisms such as payment environment facilitation,preventive savings reduction,liquidity constraint relief,and disposable income increase.To fully leverage the positive role of digital inclusive finance in promoting consumer spending,a series of targeted measures can be taken from four aspects:vigorously developing digital infrastructure,increasing innovation in digital inclusive finance products,strengthening financial literacy education for residents,and improving financial supervision.
作者
陈军
常可欣
CHEN Jun;CHANG Kexin(School of Marxism,China University of Geosciences(Wuhan),Wuhan,Hubei,430074,China)
出处
《理论探讨》
北大核心
2024年第1期144-149,共6页
Theoretical Investigation
基金
国家社会科学基金一般项目“新时代我国生态文明建设制度化的经验研究”(22BKS158)。
关键词
数字经济
普惠金融
居民消费
机制
Digital economy
Inclusive finance
Resident consumption
Mechanism
