数字普惠金融对中国农村居民消费的空间溢出效应

基于中国2013—2020年省级面板数据，采用空间计量模型进行实证研究。研究发现，数字普惠金融对农村居民消费有正向促进作用，并且具有显著的溢出效应，这其中存在区域异质性。因此，需要不断推进数字普惠金融高质量发展，各个地区之间要保持紧密的合作，因地制宜地发展数字普惠金融。

The Spatial Spillover Effect of Digital Financial Inclusion on the Consumption of Rural Residents in China

Based on China''s provincial panel data from 2013 to 2020, an empirical study was carried out by using a spatial econometric model. The results show that digital inclusive finance has a positive effect on rural residents'' consumption and has significant spillover effects. There is regional heterogeneity. Therefore, it is necessary to continuously promote the high-quality development of digital inclusive finance. All regions should maintain close cooperation and develop digital financial inclusion according to local conditions.