数字普惠金融对广东城乡居民消费结构的影响研究

Research on the Impact of Digital Inclusive Finance on the Consumption Structure of Urban and Rural Residents in Guangdong Province

在数字经济浪潮中,普惠金融与数字技术深度融合,成为驱动经济高质量发展、加速消费扩大升级的关键引擎。基于此,文章通过对普惠金融对广东城乡居民消费结构升级的影响研究,发现数字普惠金融的发展对广东城乡居民有显著的推动作用,对不同地区居民消费的影响存在差异,对不同类型和层次的消费者支出的影响呈现出不同的特征。文章认为,应因地制宜推动数字普惠金融的发展,加强信息基础设施建设,实施差异化政策,优化监管治理体系,从而进一步激发消费潜力,促进经济社会高质量发展。

In the wave of digital economy,the integration of inclusive finance and digital technology has become a key engine driving high-quality economic development and accelerating consumption expansion and upgrading.In this context,the article studies the impact of inclusive finance on the upgrading of consumption structure of urban and rural residents in Guangdong.It's found that digital inclusive finance exerts a significant driving effect on urban and rural residents.The impact on residents'consumption in different regions varies,and the impact on different types and levels of consumer spending presents different characteristics.Hence,it's argued that digital inclusive finance should be promoted according to local conditions,the construction of information infrastructure should be strengthened,differentiated policies should be implemented and regulatory governance system should be perfected,so as to further stimulate consumption potential and foster high-quality economic and social development.