数字普惠金融、居民生活压力与幸福感

摘要基于中国综合社会调查(CGSS)数据,考察数字普惠金融对居民主观幸福感的影响及作用机制。实证结果表明:数字普惠金融的发展显著提升了居民幸福感,数字普惠金融覆盖广度指数、使用深度指数和数字支持服务程度均对居民主观幸福感产生了较为显著正向影响。与高收入(中东部地区、城镇地区、男性、高教育水平)群体相比,数字普惠金融发展对中低收入(西部地区、农村地区、女性、低教育水平)群体主观幸福感的提升作用相对更大。数字普惠金融通过缓解生活压力(体现在经济压力和制度排斥压力方面)的路径提升居民主观幸福感。数字普惠金融提升居民幸福感有非常重要的现实意义,有助于进一步完善数字金融普惠体系。

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	钱雪松
	袁峥嵘

关键词：数字普惠金融居民主观幸福感生活压力中国综合社会调查

Abstract： Based on the China General Social Survey (CGSS) data, this paper examines the impact of digital inclusive finance on residents’ subjective well-being and explores its mechanism of action. The empirical results show that the development of digital inclusive finance significantly enhances residents’ happiness, in which the digital inclusive finance coverage breadth index, usage depth index and the degree of digital support services all have a relatively significant positive impact on residents’ subjective well-being. These findings still hold significantly after a series of robustness tests. Further heterogeneous analysis shows that compared with high-income groups (central and eastern regions, urban areas, males, high education level), digital inclusive financial development plays a relatively greater role in improving the subjective well-being of low-and middle-income groups (western remote areas, rural areas, females, low education level). Digital inclusive finance can improve residents’ subjective well-being by alleviating the pressure of life (reflected in economic pressure and institutional exclusion pressure). Therefore,it is of great practical significance to enhance the well-being of residents, which will help the government to further improve the digital inclusive financial system.

Keywords： Digital Inclusive Finance Residents’ Subjective Well-Being Life Stress China General Social Survey

收稿日期 2021-09-24; 接受日期 ;

作者简介: 钱雪松(1977— ),男,湖北荆门人,教授,博士生导师,主要从事公司金融和产业经济研究;袁峥嵘(1998— ),女,内蒙古乌兰察布人,硕士研究生,主要从事公司金融研究。

引用本文:

钱雪松, 袁峥嵘.数字普惠金融、居民生活压力与幸福感[J]. 经济经纬, 2022,1: 138-150

QIAN Xuesong, YUAN Zhengrong.Digital Inclusive Finance, Resident Life Stress and Happiness[J] Economic Survey, 2022,V39(1): 138-150

链接本文:

http://www.jjjw.org.cn/CN/ 或 http://www.jjjw.org.cn/CN/Y2022/V39/I1/138

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