数字金融助推农村家庭消费升级的研究

• 作者： 孙茜 ¹
• 作者单位：
  1.  湖南农业大学经济学院
• 发布时间：2024-10-22

摘要: 本文通过研究数字金融使用对农村家庭消费升级的影响机制，发现数字金融通过提升消费水平与质量、优化消费结构与方式及缓解流动性约束作用于农村家庭消费升级，并发现农户数字金融素养较低、金融机构数字金融产品创新程度不够、农村消费市场需求不足、农村金融基础设施建设相对滞后和消费者面临权益安全问题等困境，最后文章提出重视农村家庭经济行为，创新金融机构数字金融产品，持续扩大农村消费市场规模，建立健全农村消费政策体系和基础设施及提升农村数字金融机构的抗风险能力等政策建议，优化农村家庭消费结构和消费方式，稳步促进农村家庭消费升级，提高农村家庭金融福祉，以期助推共同富裕，实现乡村振兴的战略目标。

Abstract: By studying the infl uence mechanism of the use of digital fi nance on rural household consumption upgrade, this paper fi nds that digital fi nance plays a role in rural household consumption upgrade by improving consumption level and quality, optimizing consumption structure and mode, and easing liquidity constraints. In this paper, it is found that farmers’ digital fi nancial literacy is relatively low and fi nancial institutions’ digital fi nancial products are not innovative enough. Consumer market demand is insuffi cient in rural areas while rural fi nancial infrastructure construction is relatively
lagging behind. Moreover, consumers are faced with rights and interests security problems. Finally, this paper calls for attaching importance to rural family economic behavior, innovating digital financial products of financial institutions, and continuously expanding the scale of rural consumer market. It is vital to establish and improve the rural consumption policy system and infrastructure and enhance the anti-risk ability of rural digital fi nancial institutions. It is also essential to optimize the consumption structure and consumption patterns of rural families, steadily promote the consumption upgrade of rural families, and improve the fi nancial well-being of rural families, with a view to boosting common prosperity and realizing the strategic goal of rural revitalization.

• 分类： 应用经济学 >> 金融学
• 稿件状态： 已在期刊出版
期刊名称： 《中国商论》 2024年 第4期
• 引用： PSSXiv:202410.01952 (或此版本 PSSXiv:202410.01952V1)
  DOI:10.19699/j.cnki.issn2096-0298.2024.04.113
  CSTR:32012.36.PSSXiv.202410.01952
• 推荐引用方式： 孙茜.数字金融助推农村家庭消费升级的研究.中国商论,2024(4).[DOI:10.19699/j.cnki.issn2096-0298.2024.04.113] (点此复制)