网络消费信贷与城乡居民消费——基于山东地区的调查分析

Internet Consumer Credit and Consumption of Urban and Rural Residents--Based on the Investigation and Analysis in Shandong Province

论文基于山东省城乡居民网络消费信贷产品使用情况的调查,通过倾向得分匹配,就网络消费信贷对消费者消费支出以及城乡消费差距的影响进行了实证分析。分析结果发现:第一,消费者使用网络消费信贷产品进行消费主要倾向于生存型消费的小额支出;第二,使用网络消费信贷产品的居民支出明显大于未使用网络消费信贷产品的居民支出;第三,使用网络消费信贷产品可以有效提升农村居民的消费支出水平,而对城市居民的消费影响不显著。

Based on the survey of the use of internet consumer credit products of urban and rural residents in Shandong Province,this paper makes empirical analysis on the influence of the internet consumer credit products on consumer spending and consumption gap between urban and rural areas by using propensity score matching.The research results show that:(1)The internet consumption credit products are mainly spend on the small expenditure of survival consumption;(2)The expenditure of residents who use internet consumer credit products is significantly greater than that of residents who do not use internet consumer credit products;(3)The use of internet consumer credit products can effectively improve the level of consumer spending and have a significant impact on the consumption of rural residents.