| 摘要: |
| 本文基于2011－2019年64个城市的面板数据，采用动态面板模型分析数字普惠金融的发展对我国消费市场的影响。研究结果表明：数字普惠金融对居民消费具有正向作用，同时通过对比不同城市间数字普惠金融对居民消费的作用程度，得出数字普惠金融对二、三线城市居民消费的正向作用强于一线及新一线城市。由此可见，数字普惠金融的发展促使我国消费市场向二、三线城市下沉，政府应当重视二、三线城市数字普惠金融的良好发展，刺激全国消费，最终促进我国经济的发展。 |
| 关键词: 数字普惠金融；消费；城镇居民 |
| DOI： |
| 分类号:F832 |
| 基金项目: |
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| Research on the Influence of Digital Inclusive Finance on China’s Consumer Market |
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CAO Zhong-yang，ZHANG Xin-hui
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School of Finance，Hebei University of Economics and Business
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| Abstract: |
| Based on the panel data of 64 cities from 2011 to 2019，this paper adopts a dynamic panel model to analyze the impact of the development of digital inclusive finance on China’s consumer market.The results show that the development of digital inclusive finance has a positive stimulating effect on residents’consumption.At the same time，by comparing the effect of digital inclusive finance on residents’ consumption in different cities，it is concluded that the positive effect of digital inclusive finance on residents’ consumption in second and third tier cities is stronger than that in first tier and new first tier cities.Therefore，the development of digital inclusive finance promotes China’s consumer market to sink to the second and third tier cities.The government should pay attention to the sound development of digital inclusive finance in the second and third tier cities，so as to achieve the purpose of stimulating national consumption，and finally promote the development of China’s economy. |
| Key words: Digital Inclusive Finance；Consumption；Urban Residents |
