数字普惠金融促进辽宁省农村居民消费的路径研究

Research on the Paths through Which Digital Inclusive Finance Promotes Rural Residents’ Consumption in Liaoning Province

摘要: 扩大农村居民消费是释放内需潜力、畅通国内经济循环和推动城乡协调发展的重要内容。受收入增长预期、金融服务可得性、消费场景建设和风险保障能力等因素影响，辽宁省农村居民消费潜力尚未得到充分释放。数字普惠金融依托移动互联网、大数据和数字支付等技术，能够突破传统金融服务的时间与空间限制，扩大农村金融服务覆盖范围，为农村居民提供支付、信贷、保险和投资理财等服务，进而改善农村居民消费条件。本文在梳理相关研究的基础上，分析数字普惠金融促进辽宁省农村居民消费的现实基础和作用机制。研究认为，数字普惠金融主要通过提高支付便利程度、缓解流动性约束、降低预防性储蓄动机和促进农村居民增收等路径释放消费潜力。当前辽宁省仍面临农村数字基础设施发展不均衡、金融产品与农村消费需求匹配不足、数字鸿沟较为明显、农村居民金融素养相对不足以及金融风险防范机制不完善等问题。为进一步发挥数字普惠金融对农村消费的促进作用，应持续完善农村数字金融基础设施，创新适应农村居民需求的金融产品，拓展数字化消费应用场景，强化农村居民增收基础，完善数字金融风险保障体系，并实施差异化的区域发展策略。

Abstract: Expanding rural residents’ consumption is important for stimulating domestic demand, improving domestic economic circulation and promoting coordinated urban-rural development. Rural consumption in Liaoning Province is still constrained by income expectations, limited access to financial services, inadequate consumption scenarios and insufficient risk protection. Supported by mobile Internet, big data and digital payment technologies, digital inclusive finance can overcome the spatial and temporal limitations of traditional financial services and provide rural residents with convenient payment, credit, insurance and wealth management services. Based on a review of relevant studies, this paper analyzes the practical foundation and major mechanisms through which digital inclusive finance promotes rural residents’ consumption in Liaoning Province. Digital inclusive finance can stimulate consumption by improving payment convenience, easing liquidity constraints, reducing precautionary savings and increasing rural residents’ income. However, several problems remain, including uneven digital infrastructure, insufficient matching between financial products and rural consumption demand, the digital divide, limited financial literacy and inadequate financial risk prevention. Therefore, Liaoning Province should improve rural digital financial infrastructure, develop demand-oriented financial products, expand digital consumption scenarios, strengthen the income foundation of rural residents, improve consumer protection and adopt differentiated regional policies.