河北民族师范学院学报2025，Vol.45Issue(1)：94-99,6.DOI:10.16729/j.cnki.jhnun.2025.01.014
数字普惠金融与农村居民消费升级的关系研究
Research on the Relationship Between Digital Inclusive Finance and Rural Residents'Consumption Upgrade:Based on the Test of Multiple Mediating Effectst
摘要
Abstract
Digital inclusive finance is comprehensively penetrating and profoundly transforming residents'lives and household consumption.Based on the provincial panel data of 31 in China from 2011 to 2021,this study empirically explores the relationship and impact mechanism between digital inclusive finance and the consumption upgrade of rural residents by introducing the threshold effect model and mediation effect test.The research results show that digital inclusive finance can significantly promote the consumption upgrade of rural residents,the three sub-indexes of coverage,usage depth,and digitalization also have a positive promoting effect on the consumption upgrade of rural residents.After robustness tests as variable replacement,estimation method replacement,and sample change,the research conclusion remains unchanged.The threshold effect test found that the promotion effect of digital inclusive finance on consumption upgrade of rural residents has a marginal increasing effect.The impact mechanism test found that digital inclusive finance can promote the continuous optimization of the industrial structure,the growth farmers'business income,and the narrowing of the urban-rural income gap,thereby positively empowering the consumption upgrade of rural residents.关键词
数字普惠金融/农村居民/消费升级/门槛效应/多重中介Key words
digital inclusive finance/rural residents/consumption upgrade/threshold effect/multiple mediation分类
管理科学引用本文复制引用
张双伶,夏娟..数字普惠金融与农村居民消费升级的关系研究[J].河北民族师范学院学报,2025,45(1):94-99,6.基金项目
2024年度河北省社会科学基金项目"环境规制、数字化投入与河北省制造业企业绿色创新研究"(HB24YJ026). （HB24YJ026）
