| 摘要: |
| 摘 要：选取2013－2020年中国31个省（直辖市、自治区）的面板数据，构建空间杜宾模型检验数字金融对消费升级的直接效应与空间溢出效应，并探讨居民风险管理能力是否在数字金融影响消费升级过程中存在中介作用。实证结果表明，样本期内数字金融对消费升级具有显著的直接效应与正向空间溢出效应。进一步的机制分析表明，数字金融可以通过提高本地居民的风险管理能力促进当地消费升级。最后，从引导数字金融良性发展的角度，提出促进我国消费升级的相关政策建议。 |
| 关键词: 关键词：数字金融；消费升级；空间杜宾模型；空间中介效应模型 |
| DOI： |
| 分类号:F832.5 |
| 基金项目:无 |
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| Can Digital Finance Promote Consumption Upgrading?——Analysis Based on Spatial Econometric Model |
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WU Di
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School of Economics and Finance,South China University of Technology)
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| Abstract: |
| Abstract：This paper selects panel data from 31 provinces in Chinese mainland from 2013 to 2020,and constructs Spatial Durbin Model to examine the direct effect and spatial spillover of digital finance on consumption upgrading,then explores whether there is intermediary effect of risk management ability in the process of digital finance affecting consumption upgrading.The empirical result shows that digital finance has a positive direct effect and positive spatial spillover on consumption upgrading in the sample period.Further mechanism analysis shows that digital finance can promote the upgrading of local consumption by improving the risk management ability of local residents.Finally,from the perspective of guiding the benign development of digital finance,this paper puts forward relevant policy suggestions to promote China’s consumption upgrading. |
| Key words: Key words：Digital Finance;Consumption Upgrading;Spatial Durbin Model;Spatial Mediating Effect Model |
