数字普惠金融对城乡居民消费差距的影响——基于西部地区的面板数据分析被引量：4

The Impact of Digital Inclusive Finance on the Consumption Gap Between Urban and Rural Residents——An Empirical Study Based on the Panel Data of Western China

下载PDF

导出

摘要基于2011—2020年我国西部地区88个地级市的面板数据,采用固定效应模型实证分析数字普惠金融对城乡居民消费差距的影响,并从结构和区域两个角度考察这种影响的异质性,此外,借助中介效应模型进一步探讨两者之间的作用机制。研究表明,数字普惠金融能够有效促进西部地区城乡居民消费差距的缩小,且其覆盖广度、使用深度和数字化程度均具有促进效应,其中覆盖广度的作用效果最明显;数字普惠金融对西南地区城乡居民消费差距的减缓效应高于西北地区;数字普惠金融可通过收入差距的中介效应来间接缩小消费差距。据此,提出加快西部地区数字普惠金融建设、优化农村地区数字普惠金融环境、推动西南西北地区协调发展、加大西部农村地区扶持力度的建议。 Based on the panel data of 88 prefecture-level cities in western my country from 2011 to 2020,this paper adopts fixed effect model to empirically analyzes the impact of digital inclusive finance on the consumption gap between city and village residents,and investigates the heterogeneity of this effect from structural and regional perspectives.In addition,the mediating effect model is used to further explore the mechanism between them.Studies have shown that digital universal finance can effectively reduce the consumption gap between city and village residents in the western China,and its coverage breadth,depth of use and digitalization degree all have promoting effects,among which the coverage breath has the most obvious effect;the moderating effect of digital inclusive finance on the consumption gap between city and village residents in southwest China is higher than that in northwest China;digital inclusive finance can indirectly narrow the consumption gap through the mediating effect of income gap.Accordingly,suggestions are put forward to digorously develop digital inclusive finance in west China,improve the digital inclusive finance external environment in village,drive the coordinated economic and financial development of southwest and northwest China,and increase the support of western rural areas.

作者沈慧翠朱洋洋黄大勇 Shen Huicui;Zhu Yangyang;Huang Dayong(Economic Research Center of the upper reaches of the Yangtze River,Chongqing Technology and Business University,Nanan 400067,Chongqing,China;Yangtze Normal University,Fuling 408100,Chongqing,China)

机构地区重庆工商大学长江上游经济研究中心长江师范学院

出处《新疆农垦经济》 2022年第8期33-44,共12页 Xinjiang State Farms Economy

基金教育部人文社会科学重点研究基地重大项目(项目编号:18JJD790017) 重庆工商大学研究生创新型科研项目(项目编号:CYS21380)。

关键词数字普惠金融城乡居民消费差距城乡居民收入差距西部地区 digital financial inclusion consumption gap between urban and rural residents income gap between urban and rural residents western region

分类号 F832.7 [经济管理—金融学] F49 [经济管理—产业经济] F126.1 [经济管理—世界经济]