关键词: 网络消费, 家庭金融参与程度, 地区数字普惠金融发展, 扩大内需  ,

Abstract: As a new type of consumption format and mode, internet consumption has become a new driving force to expand domestic demand. This paper studies the households' consumption behavior from the perspective of inclusive finance development by applying econometrics method such as Probit model and treatment effect. The results show that the development of inclusive finance has significantly and positively increased the proportion and frequency of internet consumption households. After a gradual growth, the total consumption level and consumption structure of these households are higher and better, especially in urban region. Through the three mechanisms of facilitating payment, easing liquidity constraints and increasing household income, the development of inclusive finance has improved the amount of online consumption expenditure of internet consumption households. At the same time, heterogeneity analysis also draws a series of conclusions. Therefore, we can deepen the degree of household financial participation, accelerate the development of regional digital inclusive finance, help the elderly and lowincome groups cross the digital divide, popularize internet consumption and increase internet consumption expenditure to a greater extent, so as to further expand the domestic demand.

Key words: internet consumption, household financial participation, regional digital inclusive finance development, domestic demand expansion