牡丹江师范学院学报（哲学社会科学版）Issue(4)：19-27,9.
普惠金融发展对提高农村居民消费水平的影响分析
Analysis on the Influence of Inclusive Finance Development on Improving the Consumption Level of Rural Residents
摘要
Abstract
This paper selects the panel data of 31 provinces in China from 2003 to 2021,and uses SYS-GMM to analyze the dynamic effect of inclusive finance development on rural residents'consumption level.The main conclusions of the paper are as follows:the influence coefficient of inclusive finance development on the consumption level of rural residents is 0.135,indicating that the development of inclusive finance is conducive to the consumption level of rural residents.Further research finds that there is an"inverted U-shaped"relationship between inclusive finance and the consumption level of rural residents.By region,the consumption effect of inclusive financial development is the most obvious in the western region,followed by the central and eastern regions.In addition,policy support,the improvement of rural economic development level and the improvement of infrastructure are conducive to improving the consumption level of rural residents,while urbanization has not boosted the consumption expenditure of rural residents.To this end,it is suggested to improve the existing financial system in rural areas,accelerate the construction of digital financial infrastructure,and strengthen the supervision and management of inclusive finance.关键词
普惠金融发展/农村居民消费水平/动态面板数据模型/SYS-GMMKey words
inclusive financial development/consumption level of rural residents/dynamic panel data model/SYS-GMM分类
管理科学引用本文复制引用
邓圣祥,李军龙,黄明清..普惠金融发展对提高农村居民消费水平的影响分析[J].牡丹江师范学院学报（哲学社会科学版）,2023,(4):19-27,9.基金项目
国家社会科学基金项目(23BGL196) （23BGL196）
国家社会科学基金项目(19XGL013) （19XGL013）
