数字普惠金融对家庭消费升级影响的研究.docxVIP

数字普惠金融对家庭消费升级影响的研究

摘要

当前，我国存在内需不足、消费低迷以及经济增长乏力的状况。文章借助CFPS微观数据以及我国家庭消费占比来描绘我国居民家庭消费水平，深入剖析数字普惠金融对于家庭消费以及消费模式所产生的实际影响。此项研究着重对其在不同收入层次家庭中的表现进行剖析与比较，具体囊括低收入家庭、中等收入家庭以及高收入家庭，明确其呈现出的差异性效应，即其对这些不同收入层级家庭消费升级的差异化影响。研究揭示，数字普惠金融的推行，不仅使家庭消费总量有所增长，而且在促进消费朝着更优方向发展上，也起到了一定作用。展开来说，它促使高收入家庭消费升级，对消费模式升级有积极作用；同时促进中低收入家庭食品、文教娱乐等民生消费，提高了中低收入家庭的民生福祉。通过政府完善法律法规和监管体系，金融机构分析不同经济背景下群体消费特点与需求，以及政府和相关部门增加居民金融素养提升投入的方式，让数字普惠金融服务人民。

关键词：数字普惠金融;家庭消费;消费升级;收入分层

ABSTRACT

Basedonthecurrentrealityofinsufficientdomesticdemand,sluggishconsumptionandweakeconomicgrowthinChina,thispaperusesCFPSmicro-dataandtheproportionofhouseholdconsumptioninChinatodepicttheconsumptionstructureofChineseresidents,andempiricallyanalyzestheimpactofdigitalinclusivefinanceontotalhouseholdconsumptionandconsumptionstructure.Further,weneedtodeeplyanalyzeandcomparetheheterogeneityofdigitalfinancialinclusionattheleveloflow-,middle-andhigh-incomehouseholds,especiallyitsdifferentiatedimpactontheconsumptionstructureofhouseholdsatthesedifferentincomelevels.Theresearchrevealsthatdigitalinclusivefinancenotonlysignificantlyimprovesthetotalscaleofhouseholdconsumption,butalsoplaysaroleindrivingtheoptimizationofconsumptionstructure.Specifically,itpromotedthehigh-leveltransformationoftheconsumptionstructureofhigh-incomehouseholds,showingapositiveimpactontheupgradingofconsumptionpatterns.Wewillpromoteconsumptionoffood,culture,educationandentertainmentforlow-andmiddle-incomefamilies,andimprovetheirwell-being.Throughthegovernmentsimprovementoflaws,regulationsandregulatorysystems,financialinstitutionshavein-depthanalysisofthecharacteristicsandconsumptionneedsofgroupsindifferenteconomicbackgrounds,andthewaythatthegovernmentandrelevantdepartmentsshouldincreaseinvestmentintheimprovementoffinancialliteracyofresidents,soastofurtherm