数字普惠金融、人口结构与消费升级：来自中国的证据
Digital financial inclusion, population structure, and consumption upgrades: Evidence from China.
作者信息
Liu Qianwen, Zheng Jianjie, Luo Shihui
机构信息
Faculty of Economics, Guangxi University, Nanning, Guangxi, China.
School of Applied Economics, Guangdong Baiyun University, Guangzhou, Guangdong, China.
出版信息
PLoS One. 2025 Jan 22;20(1):e0316823. doi: 10.1371/journal.pone.0316823. eCollection 2025.
This study empirically tests the role of population structure in the process of digital financial inclusion empowering the upgrading of consumption structure by taking 248 prefecture-level cities between 2013 and 2019 as the research objects. The results of this study are as follows. First, digital financial inclusion will expand the scale of consumption. Second, digital financial inclusion can promote the upgrading of consumption structure. Third, population structure will regulate the promotional effect of digital financial inclusion on the upgrading of consumption structure. Specifically, child dependency ratio has a positive moderating effect on digital financial inclusion-driven the upgrading of consumption structure. Moreover, sex ratio has a positive moderating effect on digital financial inclusion-driven the upgrading of consumption structure. Therefore, it is suggested that vigorously promote and develop digital financial inclusion, implement and improve the three-child policy, and expand the elderly consumer industry to better promote consumption upgrading.
本研究以2013年至2019年间的248个地级市为研究对象，实证检验了人口结构在数字金融普惠赋能消费结构升级过程中的作用。本研究结果如下。第一，数字金融普惠将扩大消费规模。第二，数字金融普惠能够促进消费结构升级。第三，人口结构将调节数字金融普惠对消费结构升级的促进作用。具体而言，少儿抚养比对数字金融普惠驱动的消费结构升级具有正向调节作用。此外，性别比对数字金融普惠驱动的消费结构升级具有正向调节作用。因此，建议大力促进和发展数字金融普惠，实施和完善三孩政策，拓展老年消费产业，以更好地促进消费升级。
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