文献类型：期刊文献

中文题名：广东省数字普惠金融对居民消费水平影响效应的异质性分析

英文题名：Heterogeneity Analysis of the Impact of Digital Inclusive Finance on Residents'Consumption Level in Guangdong Province

作者：徐敏[1];江莉[1]

机构：[1]广东海洋大学经济学院,广东湛江524088

年份：2024

卷号：40

期号：4

起止页码：44

中文期刊名：南方农村

外文期刊名：South China Rural Area

收录：国家哲学社会科学学术期刊数据库

基金：广东省研究生教育创新计划资助项目(2022SFKC_058);广东海洋大学国家社科基金及教育部项目培育专项“数字普惠金融对国内经济循环发展的影响效应及支持政策研究”(C22805)。

语种：中文

中文关键词：数字普惠金融;居民消费水平;异质性;固定效应模型

外文关键词：Digital inclusive finance;Resident consumption level;Heterogeneity;Fixed effects model

中文摘要：数字普惠金融以其高便利度、低服务成本和强大的金融服务渗透力,成为居民消费水平提升的重要推动力。基于2011—2022年广东省21个市的面板数据,构建固定效应模型,探讨数字普惠金融对居民消费水平影响效应的异质性问题。研究结论显示:(1)在结构异质性方面,数字普惠金融的发展及覆盖广度的拓宽显著提高了居民消费水平,但使用深度和数字化程度对消费水平的提升作用尚不明显;(2)在城乡异质性方面,数字普惠金融的发展有利于城乡居民消费水平的提升,且在农村地区更为显著;(3)在区域异质性方面,数字普惠金融主要助力粤北地区消费水平的提升,对珠三角、粤东和粤西地区的驱动效应相对薄弱。

外文摘要：Digital inclusive finance,with its high convenience,low service costs,and strong financial service penetration,has become an important driving force for improving the consumption level of residents.Based on panel data from 21 cities in Guangdong Province from 2011 to 2022,a fixed effects model is constructed to explore the heterogeneity of the impact of digital inclusive finance on household consumption levels.The research conclusion shows that:(1)in terms of structural heterogeneity,the development and expansion of digital inclusive finance have significantly improved the consumption level of residents,but the effect of depth of use and degree of digitization on the improvement of consumption level is not yet significant;(2)In terms of urban-rural heterogeneity,the development of digital inclusive finance is conducive to the improvement of the consumption level of urban and rural residents,and is more significant in rural areas;(3)In terms of regional heterogeneity,digital inclusive finance mainly helps to improve the consumption level in northern Guangdong,but its driving effect on the Pearl River Delta,eastern and western Guangdong is relatively weak.