金融学院知识库

随着我国全面建成小康社会的目标得以实现，我国农村地区展现出了消费能 力的稳步提升、消费环境的日益优化以及消费观念的改变。面对新的发展格局， 如何有效激发并充分发挥农村居民的消费潜能，已成为一个至关重要的问题，亟 待我们深入探讨和解决。近年来，数字普惠金融通过数字技术，可以覆盖更多的 中低收入人群。深入探究数字普惠金融对农村居民消费升级所产生的影响，对于 刺激需求增长以及推动消费升级，均具备极其重要的现实意义。本文结合甘肃省 的实际情况，研究数字普惠金融对当地农村居民消费水平与消费结构的影响。不 仅有利于促进甘肃省农村居民消费需求的提升，促进经济的稳定发展；还可以为 优化消费结构提出具有针对性的意见。 本文将理论分析与实证分析相结合。首先，系统梳理了数字普惠金融和消费 理论的相关知识，以此为基础，深入剖析了数字普惠金融对农村居民消费升级的 影响机制。其次，进行现状分析和关联性分析，为后续研究指明了方向；然后， 本文结合 2016 至 2022 年北京大学数字普惠金融指数与甘肃省 64 个县和自治县 的宏观数据，进行实证分析。此外，进行了区域异质性分析，以揭示不同地区间 的影响差异。之后，详细探究了数字普惠金融对不同消费水平农村居民消费升级 的具体影响。最后进行了稳健性检验。研究表明：（1）数字普惠金融的普及与发 展，对甘肃省农村居民消费水平的提升有积极影响，并进一步优化了消费结构； （2）在甘肃省，数字普惠金融的三个不同维度对农村居民消费升级的影响呈现 出差异性；（3）数字普惠金融对农村居民消费升级的影响，不仅在经济区域之间 存在明显差异，而且在不同的行政区域也表现出不同的特点；（4）数字普惠金融 对低消费水平群体的消费推动作用更明显，能够更好地帮助实现消费升级；（5） 从机制分析来看，数字化支付在提升农村居民消费水平方面发挥了关键作用；数 字化支付和消费信贷是推动农村居民消费升级的重要机制。最后，文章根据结论， 提出区域补短板协同促发展、完善数字普惠金融产品与服务体系、完善监管体系 以及完善基础设施等方面建议，从而最终实现农村地区的经济蓬勃发展。

With the realization of China's goal of building a moderately prosperous society in an all-round way, China's rural areas have shown a steady improvement in consumption capacity, an increasingly optimized consumption environment, and a change in consumption concepts. In the face of the new development pattern, how to effectively stimulate and give full play to the consumption potential of rural residents has become a crucial issue, which urgently needs to be explored and solved in depth. In recent years, digital financial inclusion has been able to reach more low- and middle-income people through digital technology. In-depth exploration of the impact of digital inclusive finance on rural residents' consumption upgrading is of great practical significance for stimulating demand growth and promoting consumption upgrading. Based on the actual situation of Gansu Province, this paper studies the impact of digital inclusive finance on the consumption level and consumption structure of local rural residents. It is not only conducive to promoting the increase of consumption demand of rural residents in Gansu Province and promoting the stable development of the economy; It can also put forward targeted suggestions for optimizing the consumption structure.

This paper combines theoretical analysis with empirical analysis. Firstly, this paper systematically sorts out the relevant knowledge of digital inclusive finance and consumption theory, and on this basis, deeply analyzes the impact mechanism of digital inclusive finance on rural residents' consumption upgrading. Secondly, the analysis of the current situation and the correlation analysis were carried out, which pointed out the direction for the follow-up research. Then, this paper combines the Peking University Digital Financial Inclusion Index from 2016 to 2022 and the macro data of 64 counties and autonomous counties in Gansu Province to conduct an empirical analysis. In addition, regional heterogeneity analyses were performed to reveal differences in impact between different regions. Then, the specific impact of digital inclusive finance on the consumption upgrading of rural residents at different consumption levels is explored in detail. Finally, the robustness test was carried out. The results show that: (1) the popularization and development of digital inclusive finance has a positive impact on the improvement of the consumption level of rural residents in Gansu Province, and further optimizes the consumption structure; (2) In Gansu Province, the impact of three different dimensions of digital inclusive finance on rural residents' consumption upgrading is different. (3) The impact of digital inclusive finance on rural residents' consumption upgrading is not only obviously different between economic regions, but also shows different characteristics in different administrative regions. (4) Digital inclusive finance has a more obvious effect on the consumption promotion of low-consumption groups, which can better help achieve consumption upgrading; (5) From the perspective of mechanism analysis, digital payment plays a key role in improving the consumption level of rural residents; Digital payment and consumer credit are important mechanisms to promote the consumption upgrading of rural residents. Finally, according to the conclusions, this paper puts forward suggestions on regional shortcomings to promote development, improve the digital inclusive financial product and service system, improve the regulatory system, and improve the infrastructure, so as to finally achieve the vigorous economic development of rural areas.