财经理论与实践2025，Vol.46Issue(3)：34-40,7.DOI:10.16339/j.cnki.hdxbcjb.2025.03.005
数字金融对居民住房支付能力的影响研究
Research on the Impact of Digital Finance on Residents' Housing Affordability
摘要
Abstract
Based on the panel data from 35 major and medium-sized cities in China from 2011 to 2022,this paper examines the impact of digital finance on the residents' housing affordability.The findings reveal that digital finance can significantly improve residents' housing affordability by stimulating residents' entrepreneurship,promoting residents' financial management,and pro-moting residents' employment,and also plays a greater role in improving the housing affordabili-ty of groups with weak housing affordability,as well as residents in central and western regions.Moreover,the breadth of digital financial coverage has a greater impact on residents' housing af-fordability than the depth of use and the degree of digitization.In view of this,it is recommended that the construction of digital financial infrastructure should be improved,and that digital finan-cial application scenarios be expanded.Different policies should be implemented for different cit-ies to promote the balanced development of digital finance.The interaction between traditional and digital finance should be strengthened to collaboratively improve the ability of residents to purchase homes.关键词
数字金融/住房支付能力/房价收入比Key words
digital finance/housing affordability/house price to income ratio分类
管理科学引用本文复制引用
袁永发,潘爱民,马健,范晓韵..数字金融对居民住房支付能力的影响研究[J].财经理论与实践,2025,46(3):34-40,7.基金项目
国家社会科学基金重点项目(23AJL015) （23AJL015）
湖南省社会科学基金重大项目(22ZDA019) （22ZDA019）
湖南省教育厅重点项目(24A0454) （24A0454）
