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数字金融包容和消费结构升级:来自中国农村的证据
1School of Economics, Lanzhou University of Finance and Economics, No. 496, Duanjiatan Road, Lanzhou City, Gansu Province, Lanzhou 730020, PR China.
Heliyon
|May 1, 2024
概括
数字金融包容 (DFI) 显著提高了中国农村消费结构的升级,显著的空间溢出效应和非线性影响受到收入和家庭规模的影响. 区域差异存在,偏好东部地区.
科学领域:
- 空间经济学 空间经济学
- 农村发展研究 农村发展研究
- 数字金融研究 数字金融研究
背景情况:
- 了解农村消费结构升级的经济驱动因素对于可持续发展至关重要.
- 数字金融包容 (DFI) 在农村经济转型中的作用仍然是积极研究的领域.
- 中国独特的经济格局为研究外商金融机构的影响提供了有价值的案例研究.
研究的目的:
- 分析数字金融包容 (DFI) 对中国农村消费结构 (URCS) 升级的主要影响和空间特征.
- 调查与DFI对URCS影响相关的空间溢出效应和非线性关系.
- 确定DFI对URCS影响的区域差异,以告知有针对性的政策干预.
主要方法:
- 从空间经济的角度进行文献综述和理论分析.
- 利用了31个中国省份 (2011-2020年) 的面板数据和北京大学数字金融包容指数 (DFII).
- 使用经验测试来评估DFI对URCS的影响,考虑空间和非线性因素.
主要成果:
- DFI 显著促进了农村消费结构 (URCS) 的升级.
- 存在强烈的空间邻居影响,DFI受到周边省份冲击的影响.
- 在促进URCS方面,DFI表现出非线性特征,收入水平和家庭规模作为值.
- DFI对URCS的影响在空间上是异质的,东部地区显示出更大的推广效应.
结论:
- 在中国,DFI是提高农村消费模式和经济活力的关键驱动力.
- 政策干预应考虑空间依赖性和区域异质性,以便有效实施DFI.
- 调查结果为旨在推进农村发展和振兴战略的政策制定者提供了宝贵的见解.
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