摘 要：随着信息技术的高速发展，普惠金融走上了数字化发展之路。因此尝试从实证方面研究数字普惠金融对长三角地区居民消费的影响，这对促进长三角地区经济发展具有重要意义。基于长三角2011-2018年面板数据，考察了数字普惠金融对居民消费水平的影响效应，构建固定效应模型进行实证分析。研究结果表明：数字普惠金融对于长三角地区居民消费呈正向影响作用，且对于长三角农村地区居民消费水平的提升更为明显;数字普惠金融促进了长三角地区城镇居民消费升级;数字普惠金融可以促进长三角地区城乡居民收入差距的降低。最后，基于相关研究分析，针对发展策略，提出相关建议。

关键词：数字普惠金融;居民消费水平;异质性分析

中图分类号：F830  文献标识码：A  文章编号：

1672-1101（2021）02-0006-08

收稿日期：2020-10-10

作者简介：鲁楠（1996-），男，安徽淮南人，在读硕士，研究方向：数字普惠金融。

Analysis on the  Influence of Digital Inclusive Finance on Residents' Consumption in the Yangtze River Delta

LU  Nan

（School of Economics， Anhui University， Hefei  230601， China）

Abstract： With the rapid development of information technology， inclusive finance has embarked on the road of digital development. Therefore， this paper attempts to empirically study the impact of digital inclusive finance on residents' consumption in the Yangtze River Delta region， which is of great significance for promoting economic development in the Yangtze River Delta region. Based on the panel data of the Yangtze River Delta from 2011 to 2018， this paper investigates the effect of digital financial inclusion on residents' consumption level， and constructs a fixed effect model for empirical analysis. The results show that digital inclusive finance has a positive impact on the consumption of residents in the Yangtze River Delta region， and the improvement of the consumption level of residents in rural areas of the Yangtze River Delta is more obvious. Digital inclusive finance has promoted the consumption upgrade of urban residents in the Yangtze River Delta. Digital inclusive finance can help reduce the income gap between urban and rural residents in the Yangtze River Delta. Finally， based on relevant research and analysis， relevant suggestions are put forward for development strategies.

Key words：digital inclusive finance;residents' consumption level;heterogeneity analysis

随着科技不断发展，金融行业也在不断进步，数字技术的引入使得众多金融机构逐步完成了数字化转型，传统普惠金融逐渐发展为数字普惠金融。而数字普惠金融实际上就是一种结合运用大数据、人工智能、区块链、云计算等技术创新，全面高效的为大众提供金融服务的体系，现阶段主要是以小微企业以及低收入人群為主要服务对象[1]。

较于传统金融服务，数字普惠金融最明显的优势在于通过大数据技术降低信息不对称，而数字普惠金融的迅速发展，对社会的发展也带来了一定的促进作用。……