互联网消费金融对我国城镇居民消费行为的促进作用研究

发布时间：2018-04-21 06:00

本文选题：互联网消费金融 + 城镇居民消费　；参考：《现代财经(天津财经大学学报)》2017年09期

【摘要】：基于消费金融的本质功能从理论上分析了互联网消费金融对我国城镇居民消费行为的影响机制;并使用了2000年至2015年的省际面板数据,通过设置虚拟变量将互联网消费金融纳入实证分析框架,进而构建了动态GMM回归模型研究了互联网消费金融对我国城镇居民消费行为的影响。研究结果显示:互联网消费金融模式的产生与发展能够正向促进我国城镇居民的消费行为;而且互联网消费金融对我国城镇居民消费行为的影响程度存在区域性差异,即互联网消费金融对东部地区城镇居民消费行为的促进作用最大,而中部次之,西部则最小。
[Abstract]:Based on the essential function of consumer finance, this paper theoretically analyzes the influence mechanism of Internet consumption finance on the consumption behavior of urban residents in China, and uses the inter-provincial panel data from 2000 to 2015. By setting up virtual variables to bring Internet consumption finance into the framework of empirical analysis, a dynamic GMM regression model is constructed to study the influence of Internet consumption finance on the consumption behavior of urban residents in China. The results show that the emergence and development of Internet consumption finance model can positively promote the consumption behavior of urban residents in China, and there are regional differences in the influence of Internet consumption finance on the consumption behavior of urban residents in China. That is, Internet consumption finance has the greatest promoting effect on the consumption behavior of urban residents in the eastern region, followed by the central region and the western region.
【作者单位】：四川大学经济学院;
【基金】：国家社会科学基金项目(14BJY055)
【分类号】：F126.1;F724.6

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