[1] 崔广亮,高铁梅.房地产投资、居民消费与城市经济增长[J].系统工程理论与实践, 2020, 40(7):1655-1670.Cui G L, Gao T M. Real estate investment, resident consumption and urban economic growth[J]. Systems Engineering-Theory&Practice, 2020, 40(7):1655-1670.
[2] 曾燕,杨雅婷,徐凤敏,等.消费金融研究综述[J].系统工程理论与实践, 2022, 42(1):84-109.Zeng Y, Yang Y T, Xu F M, et al. Survey of consumer finance research[J]. Systems Engineering-Theory&Practice, 2022, 42(1):84-109.
[3] 马宇,安晓庆.汇率变动、收入差距与经济增长——基于不同经济发展阶段的实证研究[J].经济学家, 2018(9):78-87.Ma Y, An X Q. Exchange rate changes, income gaps and economic growth-An empirical study based on different stages of economic development[J]. Economist, 2018(9):78-87.
[4] 易行健,周利.数字普惠金融发展是否显著影响了居民消费——来自中国家庭的微观证据[J].金融研究, 2018(11):47-67.Yi X J, Zhou L. Does gigital financial inclusion significantly influence household consumption?Evidence from household survey data in China[J]. Journal of Financial Research, 2018(11):47-67.
[5] 陈双莲,郑玉航.中国区域经济短期波动对长期增长的非线性影响:金融杠杆的作用[J].系统科学与数学, 2021, 41(2):420-435.Chen S L, Zheng Y H. The nonlinear impact of the short-term fluctuation on the long-term growth of China's regional economy:The role of financial leverage[J]. Journal of Systems Science and Mathematical Sciences, 2021, 41(2):420-435.
[6] 肖利平,洪艳.金融集聚、区域异质性与居民消费——基于动态面板模型的实证分析[J].软科学, 2017, 31(10):29-32+37.Xiao L P, Hong Y. Financial agglomeration, regional heterogeneity and resident consumption-An empirical analysis based on dynamic panel model[J]. Soft Science, 2017, 31(10):29-32+37.
[7] Jappellt T, Pagano M. Consumption and capital market imperfections:An international comparision[J]. The America Economic Review, 1989, 79(5):1088-1105.
[8] Gross D B, Souleles N S. Do liquidity constrints and interest rates matter forconsumer behavior?Evidence from credit card data[J]. Quarterly Journal of Economic, 2002, 117(1):149-185.
[9] 李江一,李涵.消费信贷如何影响家庭消费[J].经济评论, 2017(2):113-126.Li J Y, Li H. How does consumer credit affect household consumption[J]. Economic Review, 2017(2):113-126.
[10] 姜弘,李程.二元经济条件下的金融发展与消费需求研究[J].财经问题探究, 2018(9):83-89.Jiang H, Li C. Financial development and consumption demand ender dual-economic condition[J]. Research on Financial and Economic Issues, 2018(9):83-89.
[11] Levchenko A A. Financial liberalization and consumption volatility in developing countries[J]. IMF Economic Review, 2005, 52(2):237-259.
[12] Karlan D, Zinman J. Expanding credit zccess:Using randomized supply decisions to estimate the impacts[J]. The Review of Financial Studies, 2010, 23(1):433-464.
[13] Kamath R, Mukherji A, Ramanathan S. Ramanagaram financial diaries:Cash patterns and repayments of microfinance borrowers[J]. Enterprise Development and Microfinance, 2010, 21(2):101-117.
[14] Ogechi A, Olaniyi E. Financial inclusion, financial development, and economic diversification in Nigeria[J]. Journal of Developing Areas, 2017, 51(3):1-15.
[15] 李建军,彭俞超,马思超.普惠金融与中国经济发展:多维度内涵与实证分析[J].经济研究, 2020, 55(4):37-52.Li J J, Peng Y C, Ma S C. Inclusive finance and economic development in China:Multi-dimensional connotation and empirical analysis[J]. Economic Research Journal, 2020, 55(4):37-52.
[16] 琚春华,陈冠宇,鲍福光.基于KNN-Smote-LSTM的消费金融风险检测模型——以信用卡欺诈检测为例[J].系统科学与数学, 2021, 41(2):481-498.Ju C H, Chen G Y, Bao F G. KNN-Smote-LSTM based consumer financial risk detection model:A case credit card fraud detection[J]. Journal of Systems Science and Mathematical Sciences, 2021, 41(2):481-498.
[17] 崔毅安,熊熊,韦立坚,等.金融科技视角下的计算实验金融建模[J].系统工程理论与实践, 2020, 40(2):373-381.Cui Y A, Xiong X, Wei L J, et al. Agent-based modeling from the perspectives of FinTech[J]. Systems Engineering-Theory&Practice, 2020, 40(2):373-381.
[18] 解维敏,吴浩,冯彦杰.数字金融是否缓解了民营企业融资约束[J].系统工程理论与实践, 2021, 41(12):3129-3146.Xie W M, Wu H, Feng Y J. Can digital financial technology relieve the financing constraints of private enterprises[J]. Systems Engineering-Theory&Practice, 2021, 41(12):3129-3146.
[19] 南永清,宋明月,肖浩然.数字普惠金融与城镇居民消费潜力释放[J].当代经济研究, 2020(5):102-112.Nan Y Q, Song M Y, Xiao H R. Digital inclusive finance and release of urban residents'consumption potential[J]. Contemporary Economic Research, 2020(5):102-112.
[20] Li J, Wu Y, Xiao J J. The impact of digital finance on household consumption:Evidence from China[J]. Economic Modelling, 2020(86):317-326.
[21] 江红莉,蒋鹏程.数字普惠金融的居民消费水平提升和结构优化效应研究[J].现代财经(天津财经大学学报), 2020, 40(10):18-32.Jiang H L, Jiang P C. Research on the effect of digital inclusive finance on the improvement of consumption level and structure optimization[J]. Modern Finance and Economics (Journal of Tianjin University of Finance and Economics), 2020, 40(10):18-32.
[22] Germana G, Luisa C. Inclusive finance for inclusive growth and development[J]. Current Opinion in Environmental Sustainability, 2017, 24:19-23.
[23] 尹志超,张栋浩.金融普惠、家庭贫困及脆弱性[J].经济学(季刊), 2021(1):153-172.Yin Z C, Zhang D H. Financial inclusion, household poverty and vulnerability[J]. China Economics Quarterly, 2021(1):153-172.
[24] 黄益平,黄卓.中国的数字金融发展:现在与未来[J].经济学(季刊), 2018, 17(4):1489-1502.Huang Y P, Huang Z. The development of digital finance in China:Present and future[J]. China Economics Quarterly, 2018, 17(4):1489-1502.
[25] 林强,冯佳丽,雒兴刚,等.不同消费支付方式下电商供应链销售模式选择[J].系统工程理论与实践, 2021, 41(11):2913-2928.Lin Q, Feng J L, Luo X G, et al. Selling format selection under different consumption payment modes in an e-commerce supply chain[J]. Systems Engineering-Theory&Practice, 2021, 41(11):2913-2928.
[26] 崔海燕.数字普惠金融对我国农村居民消费的影响研究[J].经济研究参考, 2017(64):54-60.Cui H Y. Research on the impact of digital financial inclusion on the consumption of rural residents in my country[J]. Review of Economic Research, 2017(64):54-60.
[27] 张李义,涂奔.互联网金融对中国城乡居民消费的差异化影响——从消费金融的功能性视角出发[J].财贸研究, 2017, 28(8):70-83.Zhang L Y, Tu B. Impact of the internet finance on the consumption of urban and rural residents in China:From the perspective of consumer financial functions[J]. Finance and Trade Research, 2017, 28(8):70-83.
[28] Tobler W R. Lattice tuning[J]. Geographical Analysis, 1979, 11(1):36-44.
[29] Anselin L. Local indicator of spatial association-LISA[J]. Geographical Analysis, 1995, 27(2):93-115.
[30] 王劲峰.经济与社会科学空间分析[M].北京:科学出版社, 2012.Wang J F. Spatial analysis of economics and social sciences[M]. Beijing:Science Press, 2012.
[31] 焦志伦.中国城市消费的空间分布于空间相关关系研究[J].经济地理, 2013, 33(7):41-46.Jiao Z L. Spatial distribution and dependence of city consumption in China[J]. Economic Geography, 2013, 33(7):41-46.
[32] 尹向来,张晓青,白晨,等.社会消费水平时空演变及其影响机制——基于地级市面板数据的空间计量研究[J].消费经济, 2018, 34(1):80-90+97-99.Yin X L, Zhang X Q, Bai C, et al. The spatio-temporal evolvement and influencing mechanism of social consumption level-Based on spatial econometric analysis of aanel data on China's prefecture-level city[J]. Consumer Economy, 2018, 34(1):80-90+97-99.
[33] 任英华,徐玲,游万海.金融集聚影响因素空间计量模型及其应用[J].数量经济技术经济研究, 2010, 27(5):104-115. Ren Y H, Xu L, You W H. A spatial econometric model and its application on the factors of financial industry agglomeration[J]. Journal of Quantitative and Technical Economics, 2010, 27(5):104-115.
[34] 陈啸,陈鑫.普惠金融数字化对缩小城乡收入差距的空间溢出效应[J].商业研究, 2018(8):167-176.Chen X, Chen X. The special spatial spillover effect of inclusive finance digitization on narrowing the urban-rural income gap[J]. Business Research, 2018(8):167-176.
[35] 郝云平,雷汉云.数字普惠金融推动经济增长了吗?——基于空间面板的实证[J].当代金融研究, 2018(3):90-101.Hao Y P, Lei H Y. Does digital financial inclusion drive economic growth?-Empirical evidence based on spatial panels[J]. Contemporary Financial Research, 2018(3):90-101.
[36] 刘丹,方锐,汤颖梅.数字普惠金融发展对农民非农收入的空间溢出效应[J].金融经济学研究, 2019, 34(3):57-66.Liu D, Fang R, Tang Y M. The spatial spillover effect of digital financial inclusive on farmers'off-farm income[J]. Financial Economics Research, 2019, 34(3):57-66.
[37] 梁榜,张建华.中国城市数字普惠金融发展的空间集聚及收敛性研究[J].财经论丛, 2020(1):54-64.Liang B, Zhang J H. Research on the spatial agglomeration and convergence of the urban digital inclusive finance development in China[J]. Collected Essays on Finance and Economics, 2020(1):54-64.
[38] 陈银娥,孙琼,徐文#
[52].中国普惠金融发展的分布动态与空间趋同研究[J].金融经济学研究, 2015(6):72-81.Chen Y E, Sun Q, Xu W Y. Research on the dynamics and spatial convergence of distribution of China's inclusive finance development[J]. Financial Economics Research, 2015(6):72-81.
[39] Ewers M C, Dice R, Poon J P H, et al. Creating and sustaining Islamic financial centers:Bahrain in the wake of financial and political crises[J]. Urban Geography, 2018, 39(1):3-25.
[40] Guo F, Kong T S, Wang J Y. General patterns and regional disparity of internet finance development in China:Evidence from the peking university internet finance development index[J]. China Economic Journal, 2016, 9(3):253-271.
[41] 郭峰,孔涛,王靖一.互联网金融空间集聚效应分析——来自互联网金融发展指数的证据[J].国际金融研究, 2017(8):75-85.Guo F, Kong T, Wang J Y. The spatial agglomeration effect of internet finance-Evidence from the financial development index[J]. Studies of International Finance, 2017(8):75-85.
[42] 李建伟.普惠金融发展与城乡收入分配失衡调整——基于空间计量模型的实证研究[J].国际金融研究, 2017(10):14-23.Li J W. The development of inclusive finance and imbalance adjustment of urban-rural income distribution:Empirical research based on spatial econometric models[J]. Studies of International Finance, 2017(10):14-23.
[43] 殷贺,江红莉,张财经,等.数字普惠金融如何响应城乡收入差距?——基于空间溢出视角的实证检验[J].金融监管研究, 2020(9):33-49.Yin H, Jiang H L, Zhang C J, et al. How does digital financial inclusion respond to the urban-rural income gap?-Empirical test based on the perspective of spatial spillover[J]. Financial Regulation Research, 2020(9):33-49.
[44] Gabillard J, Duesenberry J S. Income, saving and the theory of consumer behavior[J]. Economica, 1949, 33(3):111-125.
[45] Verhelst B, Poel D. Deep habits in consumption:A spatial panel analysis using scanner data[J]. Empirical Economics, 2014, 47(3):959-976.
[46] Chetty R, Szeidl A. Consumption commitments and habit formation[J]. Econometrica, 2016, 84(2):855-890.
[47] 王小华,温涛,韩林松.习惯形成与中国农民消费行为变迁:改革开放以来的经验验证[J].中国农村经济, 2020(1):17-35.Wang X H, Wen T, Han L S. The evolvement of habit formation and farmers'consumption behavior:An empirical verification since China's reform and opening-up[J]. Chinese Rural Economy, 2020(1):17-35.
[48] 张勋,万广华,张佳佳,等.数字经济、普惠金融与包容性增长[J].经济研究, 2019, 54(8):71-86.Zhang X, Wan G H, Zhang J J, et al. Digital economy, finaancial inclusive and inclusive growth[J]. Economic Research Journal, 2019, 54(8):71-86.
[49] 颜建军,冯君怡.数字普惠金融对居民消费升级的影响研究[J].消费经济, 2021, 37(2):79-88.Yan J J, Feng J Y. A Study on the impact of digital financial inclusion on upgrading residents'consumption[J]. Consumer Economy, 2021, 37(2):79-88.
[50] Lochner L J, Monge N A. The nature of credit constraints and human capital[J]. American Economic Review, 2011, 101(6):2487-2529.
[51] Ozili P K. Impact of digital finance on financial inclusion and stability[J]. Borsa Istanbul Review, 2018, 18(4):329-340.
[52] Elhorst J P. Dynamic spatial panels:Models, methods and inferences[J]. Journal of Geographical Systems, 2012(14):5-28.
[53] 谢绚丽,沈艳,张皓星,等.数字金融能促进创业吗?——来自中国的证据[J].经济学(季刊), 2018, 17(4):1557-1580.Xie X L, Shen Y, Zhang H X, et al. Can digital finance promote entrepreneurship?-Evidence from China[J]. China Economics Quarterly, 2018, 17(4):1557-1580.
[54] 郭峰,王靖一,王芳,等.测度中国数字普惠金融发展:指数编制与空间特征[J].经济学(季刊), 2020, 19(4):1401-1418.Guo F, Wang J Y, Wang F, et al. Measuring China's digital financial inclusion:Index compilation and spatial characteristics[J]. China Economics Quarterly, 2020, 19(4):1401-1418.
[55] 干春晖,郑若谷,余典范.中国产业结构变迁对经济增长和波动的影响[J].经济研究, 2011, 46(5):4-16+31.Gan C H, Zheng R G, Yu D F. An empirical study on the effects of industrial structure on economic growth and fluctuations in China[J]. Economic Research Journal, 2011, 46(5):4-16+31.
[56] 杨汝岱,陈斌开.高等教育改革、预防性储蓄与居民消费行为[J].经济研究, 2009, 44(8):113-124.Yang R D, Chen B K. Higher education reform, precautionary saving and consumer behavior[J]. Economic Research Journal, 2009, 44(8):113-124.
[57] 冉光和,蓝震森,李晓龙.农村金融服务、农民收入水平与农村可持续消费[J].管理世界, 2016(10):176-177.Ran G H, Lan Z S, Li X L. Rural financial services, farmers'income levels and rural sustainable consumption[J]. Journal of Management World, 2016(10):176-177.
[58] 靳涛,陶新宇.政府支出和对外开放如何影响中国居民消费?——基于中国转型式增长模式对消费影响的探究[J].经济学(季刊), 2017, 16(1):121-146.Jin T, Tao X Y. How government spending and opening up affect Chinese residents'consumption?On the basis of the exploration of Chinese transformational growth mode affecting consumption[J]. China Economics Quarterly, 2017, 16(1):121-146.
[59] Moran P A P. Notes on continuous stochastic phenomena[J]. Biometrika, 1950, 37(1-2):17-23.
[60] Elhorst J P. Applied spatial econometrics:Raising the bar[J]. Spatial Economic Analysis, 2010(5):9-28.
[61] 徐秋艳,房胜飞,马琳琳.新型城镇化、产业结构升级与中国经济增长——基于空间溢出及门槛效应的实证研究[J].系统工程理论与实践, 2019, 39(6):1407-1418.Xu Q Y, Fang S F, Ma L L. New-type urbanization, upgrading of industrial structure and China's economic growth-Empirical study based on spatial spillover and threshold effect[J]. Systems Engineering-Theory&Practice, 2019, 39(6):1407-1418.