Consumer finance and consumption upgrading: An empirical study of CHFS

被引：5
|
作者：
Wu, Zixi [1 ]
Wang, Yiqin [2 ]
机构：
[1] Zhengzhou Univ, Law Sch, Zhengzhou 450000, Henan, Peoples R China
[2] Jilin Business & Technol Coll, Coll Marxism, Changchun 130000, Jilin, Peoples R China
来源：
FINANCE RESEARCH LETTERS | 2023年 / 54卷
关键词：
Consumer finance; Consumer credit; Consumption upgrading; Consumption structure;
D O I：
10.1016/j.frl.2023.103784
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
This paper selects the China Household Finance Survey (CHFS) for 2017, 2019, and 2021. It examines the differences in the effects of consumer finance play between rural and urban areas using the final screened 9,875 households as the research sample. It is found that household savings, insurance, and stock assets are positively related to household consumption expenditure and consumption structure upgrading; household consumption credit can promote developmental consumption expenditure, and the promotion effect of consumer finance factors is more evident for non-farm households.
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页数：8
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