数字金融使用对湖南省农村家庭消费的影响研究

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中图分类号：F323.8 文献标识码：A 文章编号：1006-060X（2025）09-0083-10

Abstract：Basedon the questionnaire surveydataof1O16rural households in Hunan Province，the studyuses theOLS model and Tobit modeltoempiricallanalyzetheimpactofdigitalfinanceuseontheconsumptionscaleandstructureofruralhouseholds in HunanProvince，andadopts themediatingefectmodeltotestthemechanismbywhichdigitalfinanceuseafectstheconsumption scaleand tructureofrural households through theirincome.Thestudfinds thatdigitalfnanceusehelpspromote thescaleexpasion andstructureoptimzationofruralhouseholdconsumption，andhouseholdincomeisanimportant mediatingVariablefortheositive efect of digitalfinanceuseonruralhouseholdconsumption.Furtheranalysisshowsthatdigitalfinanceusecanbeterhelpyoungand middle-agedadgseturalouseoldsiooicallvelopedegistxpndteirosumptioalendtitir consumptioncture.Hnc，uggestiossuchastiugtromoteteiepthevelopentofraldigitalfaceeating theconstructioofdigitalfncialirastructureinalaea，ndstrengtenngtheupervisionofigitalcosumerfaceeput forward，withtheaimoffurtherefectivelyutilzing digital fiancialservices toboostrural householdconsumption.

Keywords：digital finance use; household consumption; rural households;household income; Hunan

消费是畅通国内大循环的关键环节，也是人民对美好生活需要的直接体现[]。（剩余12803字）