摘要
消费金融是基于消费行为衍生出来的一种现代金融服务方式,对于提高居民生活水平、产业结构优化、扩大居民消费等方面有着积极的推动作用。以2004-2020年的城镇居民消费相关数据为样本,基于消费金融功能视角分析其对城镇居民消费结构的影响,结果表明消费金融对城镇居民消费结构有着显著的正向影响。进一步通过中介效应分析发现,消费金融能够通过影响收入和产业结构优化影响城镇居民消费结构。
Consumer finance is a modern financial service method derived from consumer behavior,which plays a positive role in improving residents'living standards,optimizing industrial structure,and expanding residents'consumption.Using the consumption-related data of urban residents from 2004 to 2020 as a sample,this study analyzes its impact on the consumption structure of urban residents from the perspective of consumer finance functions.The results show that consumer finance has a significant positive impact on the consumption structure of urban residents.Further analysis of the mesomeric effect shows that consumer finance can affect the consumption structure of urban residents by influencing income and optimizing industrial structure.
作者
肖扬清
周军
XIAO Yangqing;ZHOU Jun(School of Finance and Economics,Jimei University,Xiamen,Fujian 361021,China)
出处
《邢台学院学报》
2023年第3期7-13,共7页
Journal of Xingtai University
关键词
消费金融
居民消费
消费结构
consumer finance
resident consumption
consumption structure
