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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
ISSN/eISSN1059-0560
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
DOI10.1016/j.iref.2024.103628
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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
被引频次:18[WOS]   [WOS记录]     [WOS相关记录]
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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