数字普惠金融对山东居民消费水平的影响研究——基于中介效应的实证分析

• 作者： 王冉 ¹ 妥永强 ¹
• 作者单位：
  1.  山东外国语职业技术大学
• 发布时间：2024-10-22

摘要: 消费是拉动经济增长的重要动力之一，扩大内需，促进消费成为促进经济复苏的重要调控方法。本文在双循环发展格局下探究数字普惠金融对山东居民消费水平的影响，通过构建数字普惠金融与居民消费水平的回归模型，进行中介效应分析，发现数字普惠金融的发展有利于山东居民消费水平的提升，同时人均可支配收入在该模型中发挥中介作用，以期为促进消费，缓解内需不足的问题提供新思路。

Abstract: Consumption is one of the important driving forces for economic growth. Expanding domestic demand and promoting consumption has become an important control method to promote economic recovery. This article explores the impact of digital inclusive finance on the consumption level of residents in Shandong under the dual-circulation development pattern. The mediating eff ect analysis is carried out by constructing a regression model of digital inclusive finance and the consumption level of residents. It is found that the development of digital inclusive fi nance is conducive to the improvement of the consumption level of residents in Shandong. Moreover, per capita disposable income plays an intermediary role in the model, in order to provide new ideas for promoting consumption and alleviating the problem caused by insuffi cient domestic demand.

• 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3期
• 引用： PSSXiv:202410.01985 (或此版本 PSSXiv:202410.01985V1)
  DOI:10.19699/j.cnki.issn2096-0298.2024.03.093
  CSTR:32012.36.PSSXiv.202410.01985
• 推荐引用方式： 王冉,妥永强.数字普惠金融对山东居民消费水平的影响研究——基于中介效应的实证分析.中国商论,2024(3).[DOI:10.19699/j.cnki.issn2096-0298.2024.03.093] (点此复制)