发表状态 | 已发表Published |
题名 | A study of the impact of digital finance usage on household consumption upgrading: Based on financial asset allocation perspective |
作者 | |
发表日期 | 2024-11-01 |
发表期刊 | International Review of Economics and Finance
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ISSN/eISSN | 1059-0560 |
卷号 | 96 |
摘要 | This paper analyzes the impact of digital financial usage on household consumption upgrading using data from the China Household Finance Survey (CHFS) 2015–2019. Overall, using digital financial services stimulates household consumption and enhances consumption patterns. Mechanistic analysis indicates that digital financial usage positively influences consumption upgrading by optimizing household financial asset allocation. This is evidenced across four dimensions: participation in risky financial markets, augmentation of risky asset allocation, and enhancement of financial investment portfolio diversity and efficacy. Furthermore, the influence of digital financial usage on consumption upgrading varies according to age, wealth, and region differences. |
关键词 | Asset allocation effectiveness Consumer upgrading Digital financial usage Portfolio diversification Risky financial assets |
DOI | 10.1016/j.iref.2024.103628 |
URL | 查看来源 |
收录类别 | SSCI |
语种 | 英语English |
WOS研究方向 | Business & Economics |
WOS类目 | Business, Finance ; Economics |
WOS记录号 | WOS:001314045400001 |
Scopus入藏号 | 2-s2.0-85203416925 |
引用统计 | |
文献类型 | 期刊论文 |
条目标识符 | https://repository.uic.edu.cn/handle/39GCC9TT/11950 |
专题 | 北师香港浸会大学 |
通讯作者 | Liu, Zhenhai |
作者单位 | 1.School of Economics,Shanghai University,Shanghai,China 2.Faculty of Business and Management,Beijing Normal University-Hong Kong Baptist University United International College,Zhuhai,China 3.Faculty of Humanities and Social Sciences,University of Nottingham Ningbo China,Ningbo,China 4.School of Economics and Management,Nanchang University,Nanchang,China |
通讯作者单位 | 北师香港浸会大学 |
推荐引用方式 GB/T 7714 | Ma, Hongxin,Yin, Yingkai,Liu, Zhenhaiet al. A study of the impact of digital finance usage on household consumption upgrading: Based on financial asset allocation perspective[J]. International Review of Economics and Finance, 2024, 96. |
APA | Ma, Hongxin, Yin, Yingkai, Liu, Zhenhai, & Bai, Yi. (2024). A study of the impact of digital finance usage on household consumption upgrading: Based on financial asset allocation perspective. International Review of Economics and Finance, 96. |
MLA | Ma, Hongxin,et al."A study of the impact of digital finance usage on household consumption upgrading: Based on financial asset allocation perspective". International Review of Economics and Finance 96(2024). |
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