数字普惠金融对城乡居民消费差距的影响——基于西部地区的面板数据分析

The Impact of Digital Inclusive Finance on the Consumption Gap Between Urban and Rural Residents——An Empirical Study Based on the Panel Data of Western China

基于2011—2020年我国西部地区88个地级市的面板数据,采用固定效应模型实证分析数字普惠金融对城乡居民消费差距的影响,并从结构和区域两个角度考察这种影响的异质性,此外,借助中介效应模型进一步探讨两者之间的作用机制。研究表明,数字普惠金融能够有效促进西部地区城乡居民消费差距的缩小,且其覆盖广度、使用深度和数字化程度均具有促进效应,其中覆盖广度的作用效果最明显;数字普惠金融对西南地区城乡居民消费差距的减缓效应高于西北地区;数字普惠金融可通过收入差距的中介效应来间接缩小消费差距。据此,提出加快西部地区数字普惠金融建设、优化农村地区数字普惠金融环境、推动西南西北地区协调发展、加大西部农村地区扶持力度的建议。

Based on the panel data of 88 prefecture-level cities in western my country from 2011 to 2020,this paper adopts fixed effect model to empirically analyzes the impact of digital inclusive finance on the consumption gap between city and village residents,and investigates the heterogeneity of this effect from structural and regional perspectives.In addition,the mediating effect model is used to further explore the mechanism between them.Studies have shown that digital universal finance can effectively reduce the consumption gap between city and village residents in the western China,and its coverage breadth,depth of use and digitalization degree all have promoting effects,among which the coverage breath has the most obvious effect;the moderating effect of digital inclusive finance on the consumption gap between city and village residents in southwest China is higher than that in northwest China;digital inclusive finance can indirectly narrow the consumption gap through the mediating effect of income gap.Accordingly,suggestions are put forward to digorously develop digital inclusive finance in west China,improve the digital inclusive finance external environment in village,drive the coordinated economic and financial development of southwest and northwest China,and increase the support of western rural areas.