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| Title: | 中國數位普惠金融與消費
Digital Financial Inclusion and Consumption in China |
| Authors: | 袁嘉奇
Yuan, Chia-Chi |
| Contributors: | 蘇昱璇
Su, Yu-Hsuan
袁嘉奇
Yuan, Chia-Chi |
| Keywords: | 數位普惠金融
家庭消費
商業保險
Granger因果關係檢定
Digital financial inclusion
Household consumption
Commercial insurance
Granger Causality |
| Date: | 2022 |
| Issue Date: | 2022-09-02 15:13:57 (UTC+8) |
| Abstract: | 在網際網路和通訊等技術的依託下，普惠金融已從傳統的型態轉變為具有數位化特色的數位普惠金融。從2011到2020年，數位普惠金融在中國取得了巨大的增長，同時，中國居民的消費水平也在這段時期大幅提高。本文使用了中國家庭追蹤調查(China Family Panel Studies, CFPS)中2014、2016和2018年三波資料裡有關消費的數據與北京大學編制的「數位普惠金融指數」，運用固定效果模型發現數位普惠金融的發展對於家庭消費具有顯著促進作用，尤其是對於家庭食品消費、家庭設備及日用品消費和文教娛樂消費。估計結果顯示，數位普惠金融的發展每年可以促進家庭總消費增加約1890元、食品消費增加約636元、家庭設備及日用品消費增加約383元以及文教娛樂消費增加約317元，並且53.92%的家庭消費增長來自於數位普惠金融的促進作用。本文還發現數位普惠金融主要是通過覆蓋廣度、使用深度、支付業務和信貸業務這四個維度對於消費產生促進作用。本文加入了商業保險與數位普惠金融的交互項，但卻未發現其對於消費有顯著影響。此外本文加入了網際網路網站數量作為工具變數後，數位普惠金融對消費的仍然具有顯著促進作用。最後本文對於數位普惠金融和消費進行了Granger 因果檢定，結果顯示數位普惠金融對於消費具有Granger影響。
During the last ten years, China has experienced significant growth in digital financial inclusion which has more technology enabled services than traditional financial inclusion. At the same time, China’s per capita household consumption increased year by year from 2011 to 2019. This thesis used panel data from the China Family Panel Studies (CFPS) in 2014, 2016 and 2018 and the Digital Financial Inclusion Index of China developed by Peking University and found that the development of digital financial inclusion has a significant positive effect on family consumption expenditure. The estimated results showed that the development of digital financial inclusion can increase the family total consumption expenditure by about 1,890 yuan per year, especially on “food” (by about 636 yuan per year), “household appliance and daily used commodities and necessities” (by about 383 yuan per year) and “entertainment and education” (by about 317 yuan per year). The results also showed that about 53.92% of household consumption growth was attributed to the development of digital financial inclusion. Moreover, it is found that digital financial inclusion mainly promotes family consumption through the four dimensions of “coverage breadth”, “usage depth”, “payment” and “credit”. This thesis also found that interaction between commercial insurance and digital financial inclusion does not have a significant impact on consumption. In addition, after using the number of Internet sites as an instrumental variable, digital financial inclusion still has a significant positive effect on consumption. Finally, this thesis showed that digital financial inclusion has a Granger impact on consumption. |
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| Description: | 碩士
國立政治大學
國家發展研究所
108261025 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0108261025 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202201406 |
| Appears in Collections: | [國家發展研究所] 學位論文
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