金融科技对黑龙江省居民消费水平的影响

Influenceof Financial Technology on the Consumption Level of Residents in Heilongjiang Province

随着科技的进步,金融科技逐渐成为推动经济发展的重要力量,对居民消费水平也产生了影响。通过实证研究,分析金融科技不同维度对黑龙江省居民消费水平的具体影响。采用回归分析方法构建了4个模型,分别考察了金融科技、金融科技发展宽度、金融科技发展深度及数字化水平对居民消费水平的影响。结果表明,金融科技指数、发展宽度和发展深度均对居民消费水平具有显著的正向影响,而数字化水平的影响不如前者显著。黑龙江省应深化金融科技发展,注重均衡性,加强风险防控,利用金融科技发展机遇推动金融服务创新,为提升居民消费水平和经济发展注入新动力。

With the progress of science and technology,financial technology has gradually become an important force to promote economic development,and has also affected the consumption level of residents.Empirical study analyzes the specific influence of different dimensions of financial technology on the consumption level of residents in Heilongjiang Province.The study constructs 4 models with regression analysis method,investigates the impact of financial technology,financial technology development width,financial technology development depth and digitization level on residents’consumption level on the consumption level of residents.The results show that financial technology index,development width and development depth all have significant positive impact on residents’consumption level,while the impact of digital level is not as significant as the former.Heilongjiang Province should deepen the development of financial technology,pay attention to balance,strengthen risk prevention and control,and use the development opportunities of financial technology to promote financial service innovation,so as to inject new impetus to improve residents’consumption level and economic development.