【摘要】 通过分析影响路径，测算2011—2020年山东省各地市金融科技发展水平，并利用固定效应模型和系统GMM(高斯混合模型)对山东省金融科技与农村居民消费升级二者之间的关系进行分析。研究发现，金融科技可以通过提升农村居民金融服务可得性和带动农村产业发展两个维度助力消费升级。山东省金融科技的发展能够推动农村居民消费水平提高和消费结构改善，考虑到存在消费惯性，在加入被解释变量的滞后一阶后，结论依旧成立。更多还原

【Abstract】 The level of fintech development in various cities in Shandong Province from 2011 to 2020 is measured based on the analysis of influencing path, and the relationship between FinTech and consumption upgrading of rural residents in Shandong Province is studied by using a fixed-effects model and a systematic GMM(Gaussian mixture model). It is found that fintech can contribute to consumption upgrading through two dimensions: enhancing the availability of financial services to rural residents and driving the development of rural industries. The development of fintech can promote the increase of consumption level and the improvement of consumption structure of rural residents, and the conclusion still hold after adding the lagged first order of the explanatory variables, considering the existence of consumption inertia.更多还原