金融学院知识库

中国经济正在步入一个新的发展阶段，在这个阶段中，消费已经演变成为推动经济增长的主要驱动力，满足着广大居民日益多样化的需求。尽管如此，我们必须注意到，农村地区在信用环境和生活水平上仍有待提升，蕴含着巨大的消费潜能。数字普惠金融作为一种创新的业务模式，其在刺激居民消费和扩大内需方面的作用日益凸显。从2011年至2021年，我国不同地区间的数字普惠金融发展差距不断缩小，即传统金融发展不足的地方数字普惠金融发展更快，因此研究甘肃省数字普惠金融如何影响农村居民消费更有实践意义。

本文从总量、结构和空间三个维度探讨了2011年至2021年间甘肃省数字普惠金融的发展演进与农村居民消费水平及消费模式的内在关系和影响机理，分析了数字普惠金融对农村居民消费的门槛效应，通过研究本文得出了如下的结论：(1) 数字普惠金融服务的不断发展显著刺激了甘肃省农村居民的消费，其中数字普惠金融服务使用的深度对甘肃省农村居民消费影响最为显著；(2) 数字普惠金融这种金融模式有助于优化农村居民的消费结构，其中数字普惠金融的发展对提升农村居民享受发展型消费的贡献超过生存型消费；(3) 数字普惠金融的完善和发展有助于提升了邻近区域农村居民的消费，农村居民的消费活动在甘肃省一些地区呈现出空间集聚特性，与数字普惠金融发展呈正向空间外溢效应；(4) 通过增加农村居民的收入水平，数字普惠金融间接推动了农村消费；(5) 对甘肃省农村居民而言，数字普惠金融的消费促进作用存在收入门槛效应，当农村居民收入达到一定水平后，其对消费的刺激作用开始显现，并随收入增长而增强。为此甘肃省要提高农村居民数字普惠金融服务使用深度，发挥数字普惠金融对消费总量的促进作用和消费结构的升级作用；加大数字普惠金融基础设施建设，发挥数字普惠金融的空间溢出作用；提高农村居民的可支配收入，让数字普惠金融充分发挥对消费的促进作用。

China's economy is entering a new stage of development, in which consumption has evolved as the main driving force for economic growth, meeting the diverse needs of a growing number of residents. However, it must be noted that there is still room for improvement in rural areas in terms of credit environment and living standards, which contain tremendous consumption potential. As a kind of innovative business model, digital inclusive finance has increasingly demonstrated its role in stimulating resident consumption and expanding domestic demand. From 2011 to 2021, the development gap between different regions in China's digital inclusive finance has continuously narrowed, with faster development in digital inclusive finance in areas with insufficient traditional financial development. Therefore, studying how digital inclusive finance in Gansu province affects rural resident consumption has practical significance.

This article explores the internal relationship and influencing mechanisms between the development and evolution of digital inclusive finance in Gansu province from three dimensions: total amount, structure, and space, from 2011 to 2021, and the impact of digital inclusive finance on rural resident consumption. The threshold effect of digital inclusive finance on rural resident consumption is analyzed. Through this research, the following conclusions are drawn: (1) The continuous development of digital inclusive financial services has significantly stimulated rural resident consumption in Gansu province, with depth of digital inclusive financial services usage having the most significant impact on rural resident consumption in Gansu province; (2) Digital inclusive finance as a financial model helps to optimize rural resident consumption structure, with the development of digital inclusive finance contributing more to enhancing rural residents' consumption of development-oriented consumption than survival-oriented consumption; (3) The improvement and development of digital inclusive finance have contributed to enhancing the consumption of rural residents in neighboring areas, with rural resident consumption activities showing spatial agglomeration characteristics in some areas of Gansu province, exhibiting a positive spatial spillover effect with digital inclusive finance development; (4) Through increasing rural resident income levels, digital inclusive finance has indirectly promoted rural consumption; (5) For rural residents in Gansu province, digital inclusive finance has a income threshold effect on its consumption-promoting role. Once rural resident income reaches a certain level, its stimulating effect on consumption begins to appear and increases with income growth. Therefore, Gansu province should increase the depth of rural residents' digital inclusive financial services usage, leverage digital inclusive finance's role in promoting total consumption and upgrading consumption structure; increase digital inclusive financial infrastructure construction, leverage its spatial spillover effect; and increase rural residents' disposable income to fully leverage digital inclusive finance's role in stimulating consumption.