| 数字普惠金融对城乡居民收入的异质性影响 |
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| 引用本文： | 周才云,邓阳.数字普惠金融对城乡居民收入的异质性影响[J].长安大学学报(社会科学版),2022,0(2):45-56. |
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| 作者姓名： | 周才云 邓阳 |
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| 作者单位： | (华东交通大学 经济管理学院,江西 南昌 330013) |
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| 摘 要： | 针对数字普惠金融能否有效提高中国城乡居民收入和幸福感的问题,利用“北京大学数字普惠金融指数”(第二期)2011—2018年31个省市区的面板数据,以省级互联网普及率作为工具变量,实证分析了数字普惠金融对城乡居民收入的异质性影响及其中介效应。研究认为,数字普惠金融能够显著提高中国城乡居民收入,且对农村居民收入的提升效果大于城镇居民,数字普惠金融通过经济发展和促进就业间接提高了城乡居民收入,地区发展差异、城镇化发展水平在其中发挥着异质性作用。因此,需要加快欠发达地区的数字基础设施建设,提高数字普惠金融的利用效率; 引导数字普惠金融更好地为实体经济提供支持和服务,运用互联网平台带动创业、增加就业; 加大对欠发达地区居民金融知识、金融素养的培训,充分发挥数字普惠金融的提升效应; 进一步创新和健全金融监管体制机制,完善金融法律法规体系,为数字普惠金融的可持续发展提供良好的发展环境和制度保障。
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| 关 键 词： | 数字普惠金融 数字技术 数字经济 城乡居民收入 普惠金融 数字基础设施 金融监管 |
Heterogeneous influence of digital inclusive finance on the income of urban and rural residents |
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| ZHOU Caiyun,DENG Yang.Heterogeneous influence of digital inclusive finance on the income of urban and rural residents[J].Journal of Chang'an University(Social Sciences Edition),2022,0(2):45-56. |
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| Authors: | ZHOU Caiyun DENG Yang |
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| Affiliation: | (School of Economics and Management, East China Jiaotong University,Nanchang 330013, Jiangxi, China) |
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| Abstract: | On account of whether digital inclusive finance can effectively improve the income and happiness of China's urban and rural residents, this paper selects the Internet penetration rate at the provincial level as the instrumental variable, and empirically analyzes the heterogenous influence and intermediary effect of digital inclusive finance on the income of urban and rural residents, on the basis of China's panel data of 31 provinces, autonomous regions and municipalities directly under the central government of the second phase of the “Beijing University Digital Inclusive Financial Index” in 2011-2018. The results show that digital inclusive finance can significantly improve the income of urban and rural residents in China, and the enhancing effect of digital inclusive finance on the income of rural residents is greater than on that of urban residents. Digital inclusive finance indirectly increases the income of urban and rural residents through economic development and employment promotion. Regional development disparities and urbanization development level play a heterogeneous role in the impact of digital inclusive finance on the income of urban and rural residents. Therefore, it is necessary to accelerate the construction of digital infrastructure in less developed areas and improve the utilization efficiency of digital inclusive finance; to guide digital inclusive finance to better support and serve the real economy, and use Internet platforms to boost entrepreneurship and employment; to increase the cultivation and support of financial knowledge and financial literacy in less developed areas, and give full play to the promotion effect of digital inclusive finance; to further innovate and improve the financial regulatory system and mechanism, improve the financial laws and regulations system, and provide a sound development environment and institutional guarantee for the sustainable development of digital inclusive finance. |
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| Keywords: | digital inclusive finance digital technology digital economy income of urban and rural residents inclusive finance digital infrastructure financial regulation |
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