华中农业大学学报（社会科学版）Issue(4)：59-71,13.DOI:10.13300/j.cnki.hnwkxb.2025.04.006
数字金融驱动城乡家庭消费升级:数字鸿沟的"隐忧"与"破局"
Digital finance Driving Consumption Upgrade of Urban and Rural Households:The"Hidden Risks"and"Breakthroughs"of the Digital Divide
摘要
Abstract
The digital divide serves as a manifestation of uneven development.Bridging the digital divide and narrowing regional development disparities are critical pathways to achieving the goal of com-mon prosperity.Drawing on data from five rounds of the China Household Finance Survey(CHFS)con-ducted between 2011 and 2019,this study employs a panel regression model to examine the impact of digital finance on the consumption level,consumption structure,and digital divide among urban and rural households.The findings indicate that digital finance can tap into latent consumer demand,boost domes-tic consumption,and elevate the consumption levels of both urban and rural households.Furthermore,greater diversification in the use of digital finance correlates with higher household consumption levels.Digital finance provides diverse consumption options and reshapes residents'consumption concepts and habits,increasing the proportion of hedonic and survival consumption,thereby improving the household consumption structure.From the perspective of household consumption,digital finance contributes to bridging intergenerational and regional digital divides,particularly between eastern and western regions.However,it also generates urban-rural disparities,exacerbating the urban-rural digital divide,especially among elderly population.关键词
数字金融/家庭消费/数字鸿沟/消费结构升级/弥合效应Key words
digital finance/household consumption/digital divide/consumption structure upgrad-ing/bridging effect分类
管理科学引用本文复制引用
杨嵩,苏银凤,于琴..数字金融驱动城乡家庭消费升级:数字鸿沟的"隐忧"与"破局"[J].华中农业大学学报（社会科学版）,2025,(4):59-71,13.基金项目
贵州省哲学社会科学规划课题"新发展格局下数字经济对经济高质量发展的影响机制及优化研究"(22GZQN03). （22GZQN03）
