文献类型：期刊文献

英文题名：Impact of Digital Inclusive Finance on the Consumption Level of Rural Residents in Hebei Province

作者：Wang, Qin[1]; Yang, Yongfang[2]; Zhang, Fen[3]

第一作者：王秦

机构：[1] College of Applied Science and Technology, Beijing Union University, Beijing, 100101, China; [2] College of Applied Science and Technology, Beijing Union University, Beijing, 100101, China; [3] College of Applied Science and Technology, Beijing Union University, Beijing, 100101, China

第一机构：北京联合大学应用科技学院

通讯机构：[1]College of Applied Science and Technology, Beijing Union University, Beijing, 100101, China|[1141775]北京联合大学应用科技学院;[11417]北京联合大学;

年份：2026

卷号：56

期号：2

起止页码：1304-1315

外文期刊名：IAENG International Journal of Applied Mathematics

收录：EI(收录号：20261820618095)

语种：英文

外文关键词：Decentralized finance - Economic analysis - Finance - Regional planning - Rural areas

摘要：—Background: Driven by policy support, technological innovation, and rising market demand, digital inclusive finance has expanded rapidly domestically, which has become an important force in promoting rural economic development, shortening urban–rural gap, and improving the efficiency of financial services. As a major agricultural province, Hebei faces longstanding challenges such as uneven regional development, insufficient financial service coverage, and limited access to credit for rural residents. These constraints restrict rural households’ consumption upgrading and hinder rural revitalization. This study examines how digital inclusive finance influences rural residents’ consumption level in Hebei Province based on panel data from 11 prefecture-level cities from 2014 to 2023. Using regression analysis, the study finds that digital inclusive finance significantly promotes rural residents’ consumption, and that income level plays a partial mediating role in this relationship. Moreover, the impact shows both regional and dimensional heterogeneity. The findings suggest that improving digital financial infrastructure, expanding the breadth and depth of digital financial usage, enhancing residents’ income-generating capacity, and formulating differentiated regional policies are essential for promoting rural consumption in Hebei Province. ? (2026), (International Association of Engineers). All rights reserved.