作　者：尹振涛 张珩
关键词：社区同群效应；网络消费；扩容提质；网络消费信贷
摘　要：

在百年未有之大变局下，扩内需、促消费已成为推动经济高效循环、满足人民美好生活需要的关键途径。作为人际互动与社会关系构建的关键场所，社区居民所形成的关系网络，不仅能强化居民之间的相互依赖，也能使居民消费行为产生同群效应。社区同群效应的信息传递与知识溢出，在促进居民网络消费扩容提质的同时，可以通过增加网络消费信贷、提升消费等级和降低居民依赖心理，使得低于参考点的居民受到激励，实现网络消费的扩容提质，这一点在男性和银发群体以及处于中小城市和农村地区的居民中表现得更为明显。社区同群效应对居民网络消费所产生的这种积极作用，为建立社区交流机制、设计符合居民需求特点的网络消费信贷体系、树立理性消费观和构建能释放内需动力的消费机制提供了新的实证证据，也丰富了居民消费领域的研究。

 

Community Peer Effect and Residents' Consumption Expansion And Quality Improvement

Yin Zhentao, Zhang Heng（Chinese Academy of Social Sciences）

Abstract Against the backdrop of undergoing profound changes unseen in a century, expanding domestic demand and boosting consumption have become the critical pathways of facilitating efficient economic flow and meeting the people's ever-growing desire for a better life. Communities, serving as essential nodes for social interactions and networking, may cultivate network among residents that can not only strengthen their mutual reliance but also encourage collective consumption. The peer influence within communities, marked by its information transmission and knowledge spillover, can accelerate quality improvement and scale expansion of online consumption by expanding online consumer credit, upgrading consumption benchmarks, and reducing the dependency mindset of dependency boosting online consumption among males, the elderly population, and residents in smaller cities and rural areas. The positive impact of community homogeneity on residents' consumption patterns offers new empirical insights into establishing community communication mechanisms, customizing consumer credit systems to meet residents' needs, encouraging rational consumption, and building consumption mechanisms that effectively unleash domestic demand. It also enriches the research on resident consumption.

Key words community peer effect; online consumption; improve the quality and expand the scale; online consumer credit

 

■作者简介  尹振涛，中国社会科学院金融研究所研究员，中国社会科学院大学应用经济学院教授，北京 100710；

张珩，中国社会科学院金融研究所副研究员，中国社会科学院大学应用经济学院副教授，北京 100710。

 

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