基于普惠金融发展的家庭网络消费行为研究

RESEARCH ON THE HOUSEHOLD INTERNET CONSUMPTION BEHAVIOR ON THE PERSPECTIVE OF INCLUSIVE FINANCE DEVELOPMENT

网络消费作为一种新型消费业态和模式,已成为扩大内需的新力量。本文应用Probit模型及处理效应等方法,在普惠金融发展视角下研究了家庭的网络消费行为。结果显示,普惠金融发展显著正向地提升了网络消费家庭的比例和频率,且经过渐进的增长,网络消费家庭的总消费水平更高、消费结构较优,在城镇家庭里更明显。而通过便利支付、缓解流动性约束、提高家庭收入三种机制,普惠金融发展还提升了这些家庭的网络消费支出额。异质性分析也得出了一系列丰富的结论。加深家庭金融参与程度,加快地区数字普惠金融的发展,帮助老年群体、低收入群体迈过数字鸿沟,能更大程度上普及网络消费,进一步扩大内需。

As a new type of consumption format and mode,internet consumption has become a new driving force to expand domestic demand.This paper studies the households’consumption behavior from the perspective of inclusive finance development by applying econometrics method such as Probit model and treatment effect.The results show that the development of inclusive finance has significantly and positively increased the proportion and frequency of internet consumption households.After a gradual growth,the total consumption level and consumption structure of these households are higher and better,especially in urban region.Through the three mechanisms of facilitating payment,easing liquidity constraints and increasing household income,the development of inclusive finance has improved the amount of online consumption expenditure of internet consumption households.At the same time,heterogeneity analysis also draws a series of conclusions.Therefore,we can deepen the degree of household financial participation,accelerate the development of regional digital inclusive finance,help the elderly and low-income groups cross the digital divide,popularize internet consumption and increase internet consumption expenditure to a greater extent,so as to further expand the domestic demand.