智慧农业导刊2025，Vol.5Issue(15)：14-18,5.DOI:10.20028/j.zhnydk.2025.15.004
数字普惠金融对农村居民消费升级的影响研究
摘要
Abstract
As a novel financial service model driven by digital technology,digital financial inclusion has an enormous impact on the consumption upgrading of rural citizens by virtue of its characteristics and its complementary relationship with traditional finance.After clarifying the relevant mechanisms,the study empirically examines the specific effects and transmission mechanisms of DFI on promoting rural citizens'consumption upgrading based on the panel data of 31 provincial-level administrative regions in China during the period of 2011 to 2022,using a fixed-effects model.The results reveal that the promotion of DFI has notably upgraded the consumption level of rural citizens,especially in the western region,where the effect of"sending charcoal in snowy weather"is more prominent.Further research finds that DFI can play an indirect role by increasing rural residents'disposable income and promoting the development of e-commerce.Accordingly,it is proposed to strengthen the construction of rural digital infrastructure,raise the income of rural residents and the level of e-commerce development,and actively implement differentiated development strategies.关键词
数字普惠金融/消费升级/固定效应模型/居民收入/中介效应Key words
digital inclusive finance/consumption upgrading/fixed effect model/resident income/intermediary effect分类
管理科学引用本文复制引用
张永恒,王雪颖..数字普惠金融对农村居民消费升级的影响研究[J].智慧农业导刊,2025,5(15):14-18,5.基金项目
教育部人文社会科学规划项目(23YJA790105) （23YJA790105）
河南省科技厅软科学一般项目(252400411292) （252400411292）
河南省社科联调研课题(SKL-2024-1827) （SKL-2024-1827）
