双循环下山东省数字普惠金融对农村居民消费的影响研究

• 作者： 吴美典子 ¹
• 作者单位：
  1.  山东财经大学燕山学院
• 通讯作者： 吴美典子 
• 发布时间：2024-09-05

摘要: 基于2011~2020年山东省各地市相关统计数据，将北京大学数字普惠金融指数地市一级数据与农村居民消费支出和结构相匹配，研究了数字普惠金融的发展和推广对山东省农村居民消费的影响。结果表明：数字普惠金融能够促进农村居民消费水平提高和消费结构升级，但其作用存在区域差异性，对胶东经济圈、省会经济圈地区农村居民消费支出增加和结构提升作用更显著。基于此，建议持续推进数字普惠金融的发展，关注发展过程中的差异化，推进地区均等化，发挥与其他产业的联动作用，从而促进乡村振兴。

Abstract: Based on relevant statistical data from various cities in Shandong Province from 2011 to 2020, this study matched prefecture-level data of Digital Inclusive Finance Index from the Institute of Digital Finance at Peking University with the consumption expenditure and structure of rural residents, and studied the impact of the development of digital inclusive finance on the consumption of rural residents in Shandong Province. It is found that, digital inclusive finance can promote the improvement of rural residents’ consumption level and upgrading of consumption structure, but its role has regional differences, and it has a more significant effect on the increase of rural residents’ consumption and structural improvement in the Jiaodong Economic Circle and the Provincial Capital Economic Circle. Based on this, it is suggested that the development of digital inclusive finance should be continuously promoted, focusing on differentiation in the development process, promoting regional equalization, and leveraging its linkage with other industries to promote rural revitalization.

• 来自： 吴美典子
• 分类： 应用经济学 >> 金融学
• 稿件状态： 已被期刊评审中
• 引用： PSSXiv:202409.00330 (或此版本 PSSXiv:202409.00330V1)
  DOI:10.12451/202409.00330
  CSTR:32012.36.PSSXiv.202409.00330
• 推荐引用方式： 吴美典子.双循环下山东省数字普惠金融对农村居民消费的影响研究.哲学社会科学预印本平台:https://zsyyb.cn/abs/202409.00330.[PSSXiv:202409.00330V1] (点此复制)