摘要
利用中国家庭追踪调查数据(CFPS)及数字普惠金融指数,系统研究集体主义倾向、数字普惠金融发展水平对我国居民家庭消费行为的影响。研究结果表明:数字普惠金融发展显著提升了居民家庭消费水平。随着数字普惠金融发展,居民家庭能更公平、便捷地享受到多样化金融服务,实现消费促进。集体主义倾向对不同类型消费的作用呈现差异,对生存型消费、发展型消费影响显著为正,而对享受型消费影响为负。此外,异质性分析显示,城乡消费差异、不同收入层级的消费差异普遍存在。
Based on the data of China’s Family Panel Studies(CFPS)and the Digital Inclusive Finance Index,this paper systematically studies the impact of collectivism and the level of digital inclusive finance on the consumption behavior of Chinese households.The results show that:the development of digital inclusive finance has significantly improved the level of household consumption.With the development of digital financial inclusion,households can enjoy diversified financial services in a fairer and more convenient way,and consumption has been promoted.The effect of collectivism orientation on different types of consumption is different.The influence of collectivism on subsistence consumption and development consumption is positive,while the influence of collectivism on enjoyment consumption is negative.In addition,the heterogeneity analysis shows that the consumption difference between urban and rural areas and the consumption difference between different income levels are still widespread.
作者
彭薇
熊科
PENG Wei;XIONG Ke(School of Economics and Management,Zhongshan Polytechnic,Zhongshan,Guangdong 528400,China;School of Economics and Management,Beijing Normal University Zhuhai Campus,Zhuhai,Guangdong 519087,China)
出处
《金融教育研究》
2024年第1期31-42,共12页
Research of Finance and Education
基金
教育部人文社会科学青年基金项目“供给侧结构性改革视角下我国产业创新对消费升级的影响研究”
广东省教育厅普通高校特色创新项目“‘双碳’目标下技术创新影响制造业低碳转型研究——基于数字化赋能的视角”。
关键词
数字普惠金融
集体主义
居民消费
Digital inclusive finance
Collectivism orientation
Household consumption
