数字普惠金融对居民消费水平的影响研究——以河南省居民消费发展为例

Research on the Influence of Digital Inclusive Finance on Residents’ Consumption Level——Taking the Consumption Development of Residents in Henan Province as an Example

在互联网和数字技术的依托下,数字普惠金融发展迅猛,为居民消费注入了新的动力。本文以河南省居民消费水平为研究对象,利用北京大学数字金融研究中心公布的数字普惠金融发展指数以及河南省相关经济数据,在理论概述做支撑的基础上采用岭回归实证分析方法,具体研究数字普惠金融对河南省居民消费的影响机制,并且根据实证结果与实际情况提出了加强网络基础设施,改进养老保险制度等相关建议。

With the support of the Internet and digital technology,digital inclusive finance has developed rapidly,which has injected new impetus into residents’consumption.With the consumption level of residents in Henan Province as the research object,the development index of digital inclusive finance published by the Digital Finance Research Center of Peking University and the relevant economic data of Henan Province,based on the theoretical overview,the ridge regression empirical analysis method is adopted to specifically study the influencing mechanism of digital inclusive finance on residents’consumption in Henan Province.According to the empirical results and the actual situation,this paper puts forward some related suggestions,such as strengthening the network infrastructure and improving the pension insurance system.