摘要
为探究数字普惠金融对居民消费水平的作用机制,选取我国2011年至2020年衡量数字普惠金融、物流产业集聚及居民消费水平的相关面板数据指标,采用基准回归和中介效应模型,实证检验数字普惠金融与物流产业集聚互动是否能够提高居民消费水平。研究结果表明:数字普惠金融发展与物流产业集聚均可显著提高居民消费水平,并且物流产业集聚在数字普惠金融与居民消费水平之间起到部分中介作用,且中介效应值为11.91%。
In order to explore the mechanism of digital inclusive finance on residents’consumption level,the panel data indicators that can measure digital inclusive finance,logistics industrial agglomeration and residents’consumption level from 2011 to 2020 are selected,and the benchmark regression and intermediary effect models are used to empirically test whether the interaction between digital inclusive finance and logistics industrial agglomeration can improve residents’consumption level.The results show that the development of digital inclusive finance and the agglomeration of logistics industry can significantly increase the consumption level of residents,and the agglomeration of logistics industry plays a partial role as an intermediary between digital inclusive finance and residents’consumption level and the intermediary effect value is 11.91%.
作者
涂艳红
唐崇梅
TU Yanhong;TANG Chongmei(College of Business,Hunan University of Technology,Zhuzhou 412007,China)
出处
《江苏理工学院学报》
2024年第1期35-42,共8页
Journal of Jiangsu University of Technology
基金
2022年湖南省自科面上项目“‘三高四新’战略下湖南创业企业双元创新能力配置机理与路径研究”(2022JJ30232)。
关键词
数字普惠金融
产业集聚
物流
居民消费水平
digital inclusive finance
industrial agglomeration
logistics
consumption level of residents
