数字普惠金融发展对家庭储蓄率的影响研究

A Study on the Impact of Digital Inclusive Finance Development on Household Savings Rates

摘要: 随着进入中国特色社会主义新时代，我国的经济发展迅速，人民的生活水平得到了明显的提高，社会保障体系也日渐完善，然而中国依旧保持着较高的储蓄率。随着网络技术飞速发展，数字普惠金融应运而生，并且对居民消费方式的变革产生了诸多影响。各种消费信贷平台以数字普惠金融和提前消费未来的存款为基础，改变了我国居民惯有的消费观，数字普惠金融也有助于理财产品的更新换代，使得更多居民愿意进行投资而非储蓄。因此，分析数字普惠金融发展对家庭储蓄率的影响，拓展相关领域的实证研究，对促进我国普惠金融发展和经济增长具有重要意义。本文选取中国家庭追踪调查2018年和2017年的指标，应用OLS模型进行了实证研究，并具体分析了区域、城乡差异。结果表明，数字普惠金融发展与家庭储蓄率存在显著的负相关，数字普惠金融每增长1%，家庭储蓄率减少0.675%；随着我国经济的发展，我国的居民储蓄水平在城乡和区域之间出现了明显的不同。据此，提出针对不同地区建立不同的数字普惠金融政策、借助现代科技，加强普惠金融知识的普及的对策，以推进数字普惠金融健康发展。

Abstract: As China enters the new era of socialism with Chinese characteristics, its economy has experienced rapid growth, leading to a significant improvement in people’s living standards and the continuous enhancement of the social security system. Nonetheless, the country continues to maintain a high savings rate. With the rapid development of network technology, digital finance came into being, and has had a lot of impact on the reform of residents’ consumption mode. Various consumer credit platforms are based on digital Inclusive Finance and early consumption of future deposits, which has changed the habitual consumption view of Chinese residents. Digital Inclusive Finance also promotes the upgrading of financial products, encouraging more residents to invest rather than save. Therefore, analyzing the impact of Digital Inclusive Finance on household savings rates and expanding empirical research in this field is highly significant for advancing the development of inclusive finance and driving economic growth in China. This paper selects the indicators of China Family Panel Studies in 2018 and 2017, makes an empirical study using OLS model, and analyzes the regional and urban-rural differences. The findings reveal a significant negative correlation between the advancement of digital inclusive finance and the household savings rate. For every 1% increase of digital Inclusive Finance, the household savings rate decreases by 0.675%; With the development of China’s economy, the savings level of residents in China is obviously different between urban and rural areas and regions. Therefore, this paper proposes countermeasures such as establishing differentiated digital inclusive financial policies tailored to specific regions and enhancing the promotion of inclusive financial knowledge through modern technology, in order to facilitate the healthy development of digital inclusive finance.