数字普惠金融提升居民幸福感了吗?——基于CFPS数据的实证研究

Does Digital Financial Inclusion Improve the Happiness of Residents?An Empirical Study Based on CFPS Data

数字普惠金融能否提升居民幸福感,一直是学界关注的热点。文章基于2014-2018年CFPS数据,构建计量经济模型,实证分析了数字普惠金融对居民幸福感的影响及作用机制。研究表明:数字普惠金融的发展能够提升居民幸福感,其覆盖广度、使用深度和数字化程度均对幸福感产生了显著的正向影响;在作用机制上,数字普惠金融通过增加居民收入和消费以及提高公平性心理预期来实现幸福感的提升;同时,数字普惠金融对西部地区、农村、低学历等社会弱势群体的幸福效应更明显。文章为完善数字普惠金融服务体系、构建高质量发展新优势、全面建设更具幸福感的社会主义现代化强国提供了新思路。

Whether digital financial inclusion can improve the happiness of residents has always been a focused issue in academic circles.This paper built an econometric model based on CFPS data from 2014 to 2018,and empirically analyzed the impact and mechanism of digital financial inclusion on the happiness of residents.The research shows that the development of digital financial inclusion can improve the happiness of residents,and its breadth of coverage,depth of use and degree of digitization have a significant positive impact on residents'happiness.In terms of the mechanism of action,digital financial inclusion promotes happiness by increasing income and consumption of residents and raising expectation of fairness.Meanwhile,the happiness effect of digital financial inclusion is more obvious for vulnerable groups from such as western regions,rural areas,and low education.The study provides new ideas for improving the digital financial inclusion service system,constructing new advantages for high-quality development,and comprehensively building a stronger socialist modernization country with more happiness.