普惠金融发展能否为农村居民消费结构升级赋能?——基于QUAIDS模型的实证检验

Can the Development of Financial Inclusive Empower the Upgrading of Rural Residents'Consumption Structure?——Empirical Testing Based on the QUAIDS Model

本文基于消费模仿和消费偏好视角,结合2011~2020年我国省级面板数据和中国家庭金融调查数据,实证分析普惠金融发展对农村居民消费结构升级的影响。普惠金融发展的测度结果表明,目前我国普惠金融处于中高级发展阶段,充分体现了“普惠性”的基础性发展特征。进一步通过构建Bray-Curtis指数和QUAIDS模型实证检验发现,普惠金融发展在促进农村居民消费结构逐渐趋同于城镇居民过程中的作用显著,随着普惠金融使用深度和广度的提升,农村居民消费结构实现了由初级向高级的转化。基于上述研究结论,本文认为,结合农村居民模仿行为和偏好特点,积极推动农村普惠金融发展、增强农村地区可用资金和农村居民金融资源可得性、提高农村居民对普惠金融的使用性等手段,是保证普惠金融发展促进农村居民消费结构升级有效性的关键。

Based on the perspective of consumption imitation and consumption preference,this paper empirically analyzes the impact of financial inclusive development on the upgrading of rural residents'consumption structure by combining China's provincial panel data and CHFS data from 2011 to 2020.The measurement results of financial inclusive development indicate that at present,China's financial inclusive is in the middle to high level of development,fully reflecting the fundamental development characteristics of“inclusivity”;Further empirical tes-ting by constructing the Bray-Curtis index and QUAIDS model reveals that the development of inclusive finance plays a significant role in promoting the gradual convergence of rural residents'consumption structure with urban residents'consumption structure.With the deepe-ning and breadth of the use of inclusive finance,the consumption structure of rural residents has achieved a primary to advanced transformation.Based on the above research conclusions,in order to ensure the effectiveness of inclusive financial development in promoting the upgra-ding of rural residents'consumption structure,we should actively promote the development of inclusive finance in rural areas,enhance the availability of funds and financial resources for rural residents,and enhance the accessibility of inclusive financial services for rural residents.