数字普惠金融对我国农户绿色消费支出的影响:基于CFPS2016-2018的证据

The Impact of Digital Inclusive Finance on Chinese Farmers'Green Consumption Expenditure:Evidence From CFPS in 2016-2018

促进农户绿色消费,是推动我国经济高质量发展的内在要求,而近年来蓬勃发展的数字普惠金融对此有何影响却很少被提及。论文基于CFPS2016-2018数据并结合面板双向固定效应模型,考察了县域层面数字普惠金融发展对我国农户绿色消费支出的影响。论文所得主要结论如下:首先,基准结果表明,县域数字普惠金融发展程度越高,则农户绿色消费支出越多。进一步来看,对于不同子维度,覆盖广度和使用深度均有促进作用,但数字化程度并无促进作用。其次,异质性分析发现,县域数字普惠金融的促进作用,在不同年龄、受教育程度、收入水平和绿色消费氛围村庄的农户间存在差异。最后,调节效应分析表明,农户环境敏感度和亲社会行为程度对县域数字普惠金融的促进作用具有正向调节效应,但社会资本水平并无调节效应。推动绿色经济和数字普惠金融发展相结合,需要进一步培育农户的绿色消费意识,提升绿色消费的针对性、便利性和实用性,进而推动农户绿色消费支出提升。

Promoting green consumption among farmers is an intrinsic requirement for promoting high-quality economic development in China.However,the impact of theflourishing digital inclusivefinance on this issue has received little attention.This study uses the CFPS 2016-2018 and a panelfixed effects model to examine the effect of digital inclusivefinance development at the county level on farmers'green consumption expenditure in China.The main conclusions are as follows:Firstly,the baseline results show that the higher the level of digital inclusivefinance development in a county,the more farmers will spend on green consumption.Further analysis reveals that both the breadth and depth of digital inclusivefinance coverage have a promoting effect,but the level of digitalization has no promoting effect.Secondly,heterogeneity analysis indicates that the promoting effect of digital inclusivefinance development varies among farmers with different ages,education levels,income levels,and the presence of a green consumption atmosphere in the village.Finally,the moderating effect analysis shows that farmers'environmental sensitivity and prosocial behavior have a positive moderating effect on the promoting effect of digital inclusivefinance development,while the level of social capital has no moderating effect.Combining green economic development and digital inclusivefinance requires further cultivation of farmers'awareness of green consumption,improvement of the targeting,convenience,and practicality of green consumption,and promotion of farmers'expenditure on green consumption.