数字普惠金融对长三角地区居民消费的影响分析

Analysis on the Influence of Digital Inclusive Finance on Residents'Consumption in the Yangtze River Delta

随着信息技术的高速发展,普惠金融走上了数字化发展之路。因此尝试从实证方面研究数字普惠金融对长三角地区居民消费的影响,这对促进长三角地区经济发展具有重要意义。基于长三角2011-2018年面板数据,考察了数字普惠金融对居民消费水平的影响效应,构建固定效应模型进行实证分析。研究结果表明:数字普惠金融对于长三角地区居民消费呈正向影响作用,且对于长三角农村地区居民消费水平的提升更为明显;数字普惠金融促进了长三角地区城镇居民消费升级;数字普惠金融可以促进长三角地区城乡居民收入差距的降低。最后,基于相关研究分析,针对发展策略,提出相关建议。

With the rapid development of information technology,inclusive finance has embarked on the road of digital development.Therefore,this paper attempts to empirically study the impact of digital inclusive finance on residents'consumption in the Yangtze River Delta region,which is of great significance for promoting economic development in the Yangtze River Delta region.Based on the panel data of the Yangtze River Delta from 2011 to 2018,this paper investigates the effect of digital financial inclusion on residents'consumption level,and constructs a fixed effect model for empirical analysis.The results show that digital inclusive finance has a positive impact on the consumption of residents in the Yangtze River Delta region,and the improvement of the consumption level of residents in rural areas of the Yangtze River Delta is more obvious.Digital inclusive finance has promoted the consumption upgrade of urban residents in the Yangtze River Delta.Digital inclusive finance can help reduce the income gap between urban and rural residents in the Yangtze River Delta.Finally,based on relevant research and analysis,relevant suggestions are put forward for development strategies.