四川省金融发展对城镇居民消费支出的影响研究

Research on the Impact of Sichuan Province’s Economic Development on the Consumption Expenditure of Urban Residents

消费带动经济增长,金融业作为经济发展的重要分支,会对居民消费产生影响。本文通过收集四川省1978—2018年的相关数据,采用最小二乘法对四川省金融发展与城镇居民消费支出的关系进行分析。研究发现,金融规模、人均可支配收入、居民消费价格指数与人均消费支出呈正相关关系,居民家庭恩格尔系数与人均消费支出呈负相关关系。基于此分析结果,建议通过促进金融行业发展,推动金融市场化、增加居民可支配收入、创造有利政策、控制物价水平等达到促进消费、带动经济发展的目的。

Consumption drives economic growth. As an important branch of economic development, the financial industry will also have an impact on residents’ consumption. This paper collects relevant data in Sichuan Province from 1978 to 2018 and uses the least square method to analyze the relationship between Sichuan Province’s financial development and urban residents’ consumption expenditure. The study found that financial scale, per capital disposable income, consumer price index and per capital consumption expenditure are positively correlated, and the Engel’s coefficient of households is negatively correlated with per capital consumption expenditure. Based on the results of this analysis, it is recommended to promote consumption and economic development by promoting the development of the financial industry, promoting financial marketization, increasing residents’ disposable income, creating favorable policies,and controlling the price level.