摘要
近年来,数字普惠金融提升居民消费的作用越来越明显,而这种影响是否存在空间溢出效应,以及空间溢出效应有何规律性,都有待深入研究.为此,基于2011-2018年中国265个地级市的面板数据,本文从空间关联性角度对数字普惠金融影响居民消费的理论机制进行验证.实证结果表明:数字普惠金融能够有效释放居民消费潜力,并且具有较强的空间溢出效应;与西部地区相比,数字普惠金融对东中部地区居民消费水平的拉动作用和空间溢出效应更显著;相较于三四五线城市,数字普惠金融更能够拉动一二线城市居民消费的增加.
In recent years,the role of digital financial inclusion in increasing household consumption has become increasingly prominent.The spatial spillover effects of digital financial inclusion on consumption and the regularity of spatial spillover effects remain to be studied in depth.Based on urban panel data from 2011 to 2018,this paper verifies the theoretical mechanism of digital financial inclusion influencing consumption from spatial correlation.The research shows that digital financial inclusion has a positive and significant spatial spillover effect on household consumption.Comparing with western cities,digital inclusive finance has a more significant effect and spatial spillover effect on the consumption level of residents in the eastern and central region;Compared with third-tier,fourth-tier and fifth-tier cities,digital inclusive finance could drive the increase in first-tier and second-tier cities more efficiently.
作者
王雄
黄云
任晓航
文凤华
WANG Xiong;HUANG Yun;REN Xiaohang;WEN Fenghua(Business School,Central South University,Changsha 410083,China)
出处
《系统工程理论与实践》
EI
CSSCI
CSCD
北大核心
2022年第7期1770-1781,共12页
Systems Engineering-Theory & Practice
基金
国家自然科学基金(71873146,71673307)
湖南省自然科学基金(2022JJ40647)。
