摘要
出村入城的新市民安居乐业引致巨大生活生产方面的金融需求,这对银行消费金融发展以及经济国内大循环和共同富裕战略推进等具有重要影响。本文选择2016-2019年数据实证分析了城市新市民与银行消费金融间的内在关系,并着重探索了数字普惠金融和城市分级的调节效应。分析发现,第一,城市新市民增加显著带动银行消费金融业务增长,且对个人住房贷款、消费贷款和信用卡等细分消费金融存在不同影响;第二,数字普惠金融对银行消费金融有积极作用,且强化了新市民与后者的正向作用,但子维度覆盖广度、使用深度和数字支持的作用存在明显不同,即呈现依次减弱的趋势;第三,城市层级越高,银行消费金融发展越好,但高城市层级却制约了新市民对银行消费金融的积极作用。因此,基于新市民和数字普惠金融的积极意义,以及当前金融服务新市民的发展趋势,银行和政府等各部门需要提高认识和站位,积极利用科技赋能,加大对新市民安居乐业增收等需求的支持力度,共同营造新市民幸福生产生活的良好生态。
The new city residents who live in peace and contentment outside the village and enter the city have caused huge financial demand for life and production,which has an important impact on the development of bank consumption finance,as well as the promotion of the domestic economic cycle and the strategy of common prosperity.This paper selects 2016-2019 data to empirically analyze the internal relationship between new urban citizens and bank consumer finance,and focuses on exploring the regulatory effect of digital Inclusive Finance and city classification.The analysis shows that,first,the increase of new urban residents significantly drives the growth of bank consumer finance business,and has different effects on consumer finance segments such as personal housing loans,consumer loans and credit cards;Second,digital Inclusive Finance has a positive effect on bank consumer finance,and strengthens the positive effect of new citizens and the latter,but there are obvious differences in the coverage of sub dimensions,the depth of use and the role of digital support;Third,the higher the city level,the better the development of bank consumer finance.However,the higher the city level restricts the positive role of new citizens in bank consumer finance.Therefore,based on the positive significance of new citizens and digital Inclusive Finance,as well as the current development trend of financial services for new citizens,banks,governments and other departments need to improve their understanding and position,actively make use of science and technology to increase their support for the needs of new citizens to live and work in peace and contentment,and increase their income,so as to jointly create a good ecology for new citizens'happy production and life.
作者
杨竹清
张超林
YANG Zhuqing;ZHANG Chaolin(Jiangmen Rural Commercial Bank,Jiangmen,Guangdong,529100;Hunan Technology and Business University,Changsha,Hunan 410205)
出处
《西部金融》
2023年第4期12-20,共9页
West China Finance
基金
国家社会科学基金项目“金融资源错配影响民营企业创新的机理、效应与政策优化研究”(20BJY108)
关键词
新市民
数字普惠金融
消费金融
零售转型
共同富裕
New citizens
Digital inclusive finance
Consumer finance
Retail transformation
Common prosperity
