数字普惠金融对河南省农村居民消费的影响分析

Analysis of the Impact of Digital Inclusive Finance on Rural Residents'Consumption in Henan Province

采用混合OLS模型,基于河南省2012年—2021年17个地市的面板数据,实证分析数字普惠金融对河南省农村居民消费的影响。研究结果表明:数字普惠金融对河南省农村居民消费水平提升有显著的正向影响,在二级指标方面,覆盖广度、使用深度和数字化程度均对河南省农村居民消费水平提升有显著的正向影响。数字普惠金融发展对生存型消费的影响要小于对享受发展型消费的正向影响,数字普惠金融可优化农村居民消费结构,促进消费结构升级。基于上述研究结论,建议金融机构应设计更适合农村居民的数字金融服务产品,同时政府和金融应加强对农村居民金融知识和技能的培训,提高数字普惠金融的覆盖广度和使用深度。

Using the mixed OLS model,based on the panel data of 17 cities in Henan Province from 2012 to 2021,this paper empirically analyzed the impact of digital inclusive finance on rural residents'consumption in Henan Province.The research results showed that digital inclusive finance has a significant positive impact on the improvement of rural residents'consumption level in Henan Province.In terms of secondary indicators,the coverage breadth,depth of use and digitization degree have a significant positive impact on the improvement of rural residents'consumption level in Henan Province.The impact of the development of digital inclusive finance on subsistence consumption is less than the positive impact on the enjoyment of development consumption.Digital inclusive finance can optimize the consumption structure of rural residents and promote the upgrading of consumption structure.Based on the above research conclusions,it is suggested that financial institutions should design digital financial service products that are more suitable for rural residents,while the government and the financial industry should strengthen the training of financial knowledge and skills for rural residents,and improve the coverage breadth and use depth of digital inclusive finance.