数字普惠金融对农村居民消费升级的影响研究

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中图分类号：F832 文献标志码：A 文章编号：2096-9902(2025)15-0014-05

Abstract:Asanovelfinancialservicemodeldrivenbydigitaltechnology，digitalfinancialinclusionhasanenormousimpact ontheconsumptionupgradingofruralcitizensbyvirtueofitscharacteriticsanditscomplementaryrelationshipwithtraditional finance.Afterclarifyingtherelevantmechanisms,thestudyempiricallyexaminesthespeicefectsandtransmissonmechanisms ofDFIonpromotinguralcizens‘consumptionupgrading basedonthepaneldataof31provincial-leveladministrativeegions inChinaduringtheperiodof2011to2022,usingafixed-efectsmodel.Theresultsrevealthatthepromotionof DFIhas notablyupgradedtheconsumptionlevelofruralcitizensespecialyinthewestemregionwheretheefectof"sendingcharcoal insnowyweather”ismoreprominent.FurtherresearchfindsthatDFIcanplayanindirectrolebyincreasingruralresidents disposableincomeandpromotingthedevelopmentofe-commerce.Acordingly，itisproposedtostrengthentheconstructionof ruraldigitalinfrastructure,raisetheincomeofruralresidentsandthelevelofe-commercedevelopment,andactivelyimplement differentiated development strategies.

Keywords:digital inclusive finance;consumptionupgrading;fixedefect model;resident income; intermediaryeffect

2024年7月中央政治局会议提出“要以提振消费为重点扩大国内需求，经济政策的着力点要更多转向惠民生、促销费，更多渠道增加居民收入”，之后的中央经济工作会议又将“大力提振消费、提高投资效益，全方位扩大国内需求"放在首位。（剩余9001字）