普惠金融、家庭异质性与消费结构升级被引量：39

Inclusive Finance,Household Heterogeneity and Consumption Structure Upgrade

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摘要基于中国家庭金融调查数据库2017年的微观数据,构建家庭层面普惠金融指数,研究普惠金融对家庭消费的影响效果及作用机制,发现普惠金融可显著促进家庭总体消费水平提升,降低生存型消费占比,提升发展与享受型消费占比,推动消费结构升级;普惠金融对家庭消费的促进效应在低收入和农村家庭更显著;普惠金融可通过提升家庭收入水平从而促进消费潜力释放,同时金融素养会调节普惠金融对家庭消费的影响效果。因此,应大力支持普惠金融发展,针对家庭异质性特征精准制定普惠金融政策,推动金融服务实体经济,促进家庭消费结构升级,使普惠金融成为提振消费、促进经济高质量发展的重要支撑。 This paper starts from the perspective of inclusive finance,based on the micro data of CHFS2017,this paper constructs the inclusive finance index at the household level,analyzes the effect and mechanism of inclusive finance on household consumption,and draws the following conclusions:inclusive finance can significantly promote the overall consumption level of households,reduce the proportion of subsistence consumption,increase the proportion of development and enjoyment consumption,and promote the upgrading of consumption structure;the results of heterogeneity analysis show that the promotion effect of inclusive finance on household consumption is more significant in low-income and rural families;the mechanism analysis shows that inclusive finance can promote the release of consumption potential by improving the level of household income.In addition,financial literacy can regulate the impact of inclusive finance on household consumption,thus the promotion effect of inclusive finance is more significant in families with lower financial literacy.Therefore,it is necessary to vigorously support the development of inclusive finance,accurately formulate inclusive finance policies based on the heterogeneous characteristics of households,promote financial services to the real economy,and promote the upgrading of household consumption structure,so that inclusive finance becomes an important support for boosting consumption and promoting high-quality economic development.

作者张梦林李国平 Zhang Meng-lin;Li Guo-ping(School of Economics and Finance,Xi’an Jiaotong University,Xi’an Shaanxi 710061)

机构地区西安交通大学经济与金融学院

出处《经济纵横》 CSSCI 北大核心 2021年第2期116-128,共13页 Economic Review Journal

基金国家社会科学基金重大项目“完善生态补偿机制研究”(编号:12&ZD072)的成果

关键词普惠金融家庭消费生存型消费发展与享受型消费金融素养 Inclusive Finance Household Consumption Subsistence Consumption Development and Enjoyment Consumption Financial Literacy

分类号 F126.1 [经济管理—世界经济] F832 [经济管理—金融学]

作者简介张梦林,西安交通大学经济与金融学院博士研究生;李国平,西安交通大学经济与金融学院教授。