摘要
推动居民消费升级,是促进经济高质量发展的关键点之一。文章基于家庭层面研究居民杠杆率对消费升级的影响,利用2019年CHFS微观调查数据就居民杠杆率对城乡、不同地区和高层次消费内部结构的影响进行实证检验,得出了如下结论:(1)居民杠杆率能促进居民消费升级,对高层次消费内部结构的影响具有差异性;(2)居民杠杆率能促进城乡消费升级,但对农村地区的促进作用比对城市地区要强;(3)居民杠杆率对不同地区消费升级具有异质性,对西部地区和东北地区的促进作用最大,对东部地区的促进作用最弱。鉴于此,建议提高农村居民和西部地区居民借贷便利度,控制东部地区居民负债水平,培育多层次、丰富多样的消费市场和增加居民可支配收入。
Promoting the upgrading of residents'consumption is one of the key points to promote high-quality economic development.This paper studies the impact of household leverage ratio on consumption upgrading at the household level,and uses the 2019 CHFS micro-survey data to empirically test the impact of household leverage ratio on the internal structure of urban and rural,different regions and high-level consumption.The following conclusions are drawn:(1)The leverage ratio of residents can promote the upgrading of residents'consumption,and the impact on the internal structure of high-level consumption is different.(2)Resident leverage ratio can promote consumption upgrade in urban and rural areas,but it has a stronger effect on rural areas than in urban areas.(3)Resident leverage ratio has heterogeneity in consumption upgrade in different regions,and has a promoting effect on western and northeastern regions.The largest,and the weakest promotion effect on the eastern region.In view of this,it is recommended to improve the borrowing convenience of rural residents and residents in the western region,control the debt level of residents in the eastern region,cultivate a multi-level,rich and diverse consumer market and increase the disposable income of residents.
作者
胡文彬
胡育蓉
HU Wen-bin;HU Yu-rong
出处
《生产力研究》
2022年第10期23-28,106,F0003,共8页
Productivity Research
基金
国家社会科学基金青年项目“产业关联视角下杠杆率的动态调整与货币政策有效性研究”(19CJL009)。
