摘要
提升消费对拉动我国经济增长的作用力具有重要意义,但相较于发达国家而言,我国居民消费水平并不乐观,增进消费、扩大内需是现阶段实现经济转型升级的必要战略。数字普惠金融是金融发展的新领域和新目标。本文分析了数字普惠金融对我国居民消费水平的内在影响机制,对两者之间的关系进行实证检验,发现数字普惠金融对提高居民消费水平具有正向作用;数字普惠金融对居民消费的影响存在区域异质性,提出促进经济平衡性发展;加强普惠政策支持;提高大众金融素养;重视数字科技的应用等建议。
Under the current situation,our country’s exports and investment are at a disadvantage.Therefore,it is of great significance to promote consumption to better stimulate China's economic growth,but compared with developed countries,the consumption level of Chinese residents is not very optimistic,it still has very large development space.Increasing consumption and expanding domestic demand are the two necessary strategies to realize economic transformation and upgrading at this stage.As an important pillar and indispensable engine of economic growth,finance is closely related to the daily consumption of residents.In order to change the present situation of residents'consumption and give full play to the driving ability of consumption to the economy,we must attach great importance to the necessary role of finance.What’s more,Digital inclusive finance is a new field and new goal of financial development.And it has injected new vitality into the development of finance.We should pay enough attention to the sustainable development of Digital Inclusive Finance.All in all,It is of great theoretical and practical significance to deeply analyze the internal influence mechanism of digital inclusive finance on the consumption level of residents in China.This will be beneficial to improve the consumption level of residents and be good for the exploration of this issue.
作者
李玉婷
LI Yuting(Hebei Finance University,Baoding Hebei 071051)
出处
《西部金融》
2021年第4期80-86,共7页
West China Finance
关键词
数字金融
普惠金融
消费
digital inclusive finance
consumption
panel data
