互联网金融对居民消费的影响研究——以青海省为例

Research on the Impact of Internet Finance on the Consumption of Residents——Taking Qinghai Province as an example

近年来,互联网金融在中国得到飞速的发展,不仅改变了传统的金融系统体系,同时也对中国居民的生产生活方式产生着重要的影响。首先,文章从理论方面来分析互联网金融对居民消费产生影响的机制。其次,采用了青海省人均消费支出、人均可支配收入以及互联网金融发展指数的时间序列数据,实证分析了青海省地区互联网金融和收入对于居民消费的影响,结果显示:互联网发展指数、人均可支配收入能够直接引起人均生活消费支出的变动。最后,根据研究的结果提出相关政策建议。

In recent years,Internet finance has made rapid development in China,which not only changed the traditional financial system,but also had an important influence on the way of production and life of Chinese residents.Firstly,the paper analyzes the mechanism of the influence of Internet finance on residents’consumption from the theoretical aspect.Secondly,using the time series data of per capita consumption expenditure,per capita disposable income and Internet finance development index in Qinghai Province,the paper empirically analyzes the impact of Internet finance and income on residents’consumption in Qinghai Province.The results show that the Internet development index and per capita disposable income can directly cause the change of per capita consumption expenditure.Finally,based on the results of the study,relevant policy recommendations are put forward.