数字普惠金融发展对城乡居民消费差异的影响研究——以浙江省为例

Research on the Impact of the Development of Digital Inclusive Finance on Consumption Diff erences between Urban and Rural Residents——Taking Zhejiang Province as an Example

近年来,伴随先进科学技术的进步,数字普惠金融的出现进一步助推浙江省经济发展,提升了整体消费水平,但是城乡之间的差距仍然较大。本文利用浙江省2011—2020年11个市的面板数据建立随机效应模型,对数字普惠金融发展和城乡居民消费差距之间的关系进行分析。结果表明,数字普惠金融的发展有利于缩小城乡居民之间的消费差异,为进一步促进消费、拉动经济增长和缩小城乡居民差异提供参考。

In recent years,with the scientifi c and technological progress in Zhejiang Province,the emergence of digital inclusive fi nance has further boosted the economic development of Zhejiang Province and improved the overall consumption level,but the gap between urban and rural areas is still large.This paper analyzes the relationship between the development of digital inclusive fi nance and the consumption gap between urban and rural residents by using panel data from 11 cities in Zhejiang Province from 2011 to 2020 to establish a random eff ects model.The results show that the development of digital inclusive fi nance is conducive to narrowing the consumption gap between urban and rural residents,providing a reference for further promoting consumption,boosting economic growth,and narrowing the gap between urban and rural residents.