数字普惠金融促进了农村居民消费升级吗

Does Digital Financial Inclusion Promote the Consumption Upgrade of Rural Residents

自习总书记提出构建“新发展格局”以来,推动国内经济大循环成为热点话题,农村消费市场作为国内市场的重要组成部分,蕴藏巨大潜力。为了探讨数字普惠金融是否对农村居民消费总量增加、消费结构升级产生促进作用,本文在构建中介效应模型的基础上,运用我国2011-2020年31个省份的数据进行实证回归,结果显示:第一,数字普惠金融对农村居民人均消费总量具有显著促进作用,数字普惠金融指数提升1%,农村居民人均消费总量增加0.18%;第二,数字普惠金融显著推动农村居民消费结构升级,对农村居民消费结构升级的影响系数约0.165;第三,数字普惠金融对农村消费升级的促进作用在东、中、西部地区均表现显著,但影响效果具有区域差异。

In order to explore whether digital financial inclusion can promote the increase of rural residents'total consumption and the upgrading of consumption structure,constructing the intermediary effect model to analysis,with data from 31 provinces from 2011-2020.The results show that:First,digital financial inclusion plays a significant role in promoting the per capita consumption of rural residents.When the digital financial inclusion index increases by 1%,the per capita consumption of rural residents increases by 0.18%.Second,digital financial inclusion significantly promotes the upgrading of rural residents'consumption structure,and the influence coefficient of digital financial inclusion on the upgrading of rural residents'consumption structure is about 0.165.Third,digital financial inclusion plays a significant role in promoting rural consumption upgrading in the eastern,central and western regions,but there are regional differences in the size of the role.