互联网金融对中国城乡居民消费的差异化影响——从消费金融的功能性视角出发

发布时间：2018-01-14 19:09

本文关键词：互联网金融对中国城乡居民消费的差异化影响——从消费金融的功能性视角出发　出处：《财贸研究》2017年08期 　论文类型：期刊论文

【摘要】：从消费金融的功能性视角出发,以平滑、保障和增值三个效应解析互联网金融在促进消费方面较传统金融的优势所在,继而结合2011—2016年中国互联网金融各领域发展及居民消费的有关月度数据,通过信息熵方法和Panel Data模型实证研究互联网金融及各领域发展对中国居民消费行为和结构的差异化影响。研究结果表明,互联网金融发展对居民消费结构升级有着显著影响,同时对城镇居民消费的影响程度大于农村居民,互联网金融不同领域对城镇和农村居民消费结构的影响也各有侧重。基于此,提出提高国民收入水平、加强移动互联和物联网建设、下沉互联网金融服务重心、强化互联网金融监管保障等政策建议,从而为国家找准互联网金融促进城乡居民消费结构升级的发力点提供参考。
[Abstract]:From the functional perspective of consumer finance, this paper analyzes the advantages of Internet finance in promoting consumption over traditional finance in terms of smooth, secure and value-added effects. Then it combines the monthly data on the development of Internet finance and residents' consumption in China from 2011 to 2016. Based on the information entropy method and Panel Data model, this paper empirically studies the influence of Internet finance and its development on the consumption behavior and structure of Chinese residents. Internet financial development has a significant impact on the upgrading of the consumption structure of residents, and the impact on the consumption of urban residents is greater than that of rural residents. Different areas of Internet finance also have different impacts on the consumption structure of urban and rural residents. Based on this, the paper proposes to improve the level of national income, strengthen the construction of mobile interconnection and Internet of things, and sink the focus of Internet financial services. To strengthen the Internet financial supervision and security and other policy recommendations, so as to provide a reference for the country to find the right point of Internet finance to promote the upgrading of consumption structure of urban and rural residents.
【作者单位】：武汉大学信息管理学院;
【基金】：国家自然科学基金项目“融合情境的移动阅读推荐系统研究”(71373192) 教育部人文社会科学重点研究基地重大项目“商品评论源信息获取方法与技术研究”(4JJD870002)
【分类号】：F126.1;F724.6;F832
【正文快照】： (1)在学术界,有关消费金融内涵的界定并不统一。一般来讲,认为消费金融应对的是一个消费者所面临的金融问题,即如何在给定的金融环境中,利用所掌握的资产来最大程度地满足其各种消费需求,包括考虑到消费者的消费目标、储蓄、信贷、资产配置以及面临的各种风险和约束(Samuelson

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