中国互联网金融对居民消费水平的影响研究

Research on the Impact of Internet F on the Impact of Internet Finance on Residents inance on Residents’Consumption Level in China

互联网金融不仅改变了传统金融体系,也通过第三方支付影响着居民消费水平。文章以中国互联网金融和居民消费水平为研究对象,首先介绍了互联网金融的概念特征;其次分析了中国互联网金融与居民消费水平的发展现状;最后,基于2004~2020年数据建立动态时间序列模型,实证检验互联网金融对居民消费水平的影响。研究表明互联网金融的发展对提高居民消费水平有很大的作用,即互联网金融的发展对消费者支出有积极影响,此外,房价、城镇化水平、产业结构以及对外开放水平也对居民消费水平有显著影响,据此提出发展建议:健全法律法规,促进互联网金融健康发展;加强监管力度,营造良好的金融消费环境;树立正确的互联网消费观念,促进消费增长。

Internet finance not only changes the traditional financial system,but also affects the consumption level of residents through third-party payment.The article takes China’s Internet finance and residents’consumption level as the research object,firstly,it introduces the conceptual characteristics of Internet finance;secondly,it analyzes the current development status of China’s Internet finance and residents’consumption level;finally,it establishes a dynamic time series model based on the data from 2004 to 2020,to empirically test the impact of Internet finance on residents’consumption level.The study shows that the development of Internet finance has a great effect on improving the level of residents’consumption,that is,the development of Internet finance has a positive impact on consumer spending,in addition,the housing price,urbanization level,industrial structure and the level of opening up to the outside world also have a significant impact on the level of residents’consumption,according to which,the development suggestions are put forward:to improve laws and regulations to promote the healthy development of Internet finance;to strengthen the supervision,to create a good financial consumption environment;establish a correct concept of Internet consumption and promote consumption growth.