摘要
数字经济和普惠金融是助推经济高质量发展、实现消费扩大升级的重要途径。本文通过研究发现,数字普惠金融的发展显著提升了中国居民的整体消费水平,发挥了“数字效应”和“普惠效应”的双重作用。但是,数字普惠金融的发展对城镇居民消费增加的效应明显高于对农村居民消费增加的效应,数字普惠金融在农村领域的“普惠效应”有待提升。为更好发挥数字普惠金融的积极作用,一方面要加大政策支持力度,推动数字普惠金融基础设施建设;另一方面更要着力改变农村居民消费观念和消费金融观念。
Digital economy and inclusive finance are important ways to boost high-quality economic development and realize the expansion and upgrading of consumption.This paper finds that the development of digital inclusive finance has significantly improved the overall consumption level of Chinese residents,and played the dual role of"digital effect"and"inclusive effect".However,the development of digital inclusive finance plays a greater role in improving the consumption level of urban residents than that of rural residents,and the"inclusive effect"of digital inclusive finance in rural areas needs to be improved.In order to better play the positive role of digital inclusive finance,on the one hand,it is necessary to strengthen policy support and promote the construction of digital inclusive financial infrastructure;on the other hand,it is necessary to focus on changing the consumption and finance concept of rural residents.
作者
涂颖清
万建军
Tu Yingqing;Wan Jianjun
出处
《企业经济》
北大核心
2022年第5期41-49,共9页
Enterprise Economy
基金
国家社会科学基金青年项目“新发展阶段实现共同富裕路径研究”(项目编号:21CKS035)
2018年陕西社会科学基金规划项目“陕西实施‘中国制造2025’战略的路径选择研究”(项目编号:2018D18)。
关键词
居民消费
数字普惠金融
农村居民消费
数字经济
resident consumption
digital inclusive finance
consumption of rural residents
digital economy
作者简介
涂颖清,江西经济管理干部学院培训处副教授,硕士生导师,博士,研究方向为管理经济学,(江西南昌330038);通讯作者:万建军,南昌大学经济管理学院教研室主任、讲师,博士,研究方向为产业经济学。(江西南昌330031)。
