首页|金融科技促进了共同富裕吗——基于财富不平等视角

金融科技促进了共同富裕吗——基于财富不平等视角

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共同富裕是中国式现代化的本质要求,缩小财富不平等是实现共同富裕的核心要义.本研究基于财富不平等视角探讨了金融科技能否促进共同富裕,利用金融科技发展指数与2015年、2017年和2019年三轮中国家庭金融调查数据相结合的实证研究显示,金融科技的发展显著缩小了财富不平等,促进了共同富裕.机制分析表明,金融科技的发展通过显著促进低财富家庭自主创业、提高金融的普惠性和社会资本水平抑制财富不平等实现共同富裕.异质性分析发现,金融科技抑制财富不平等的效应在劳动家庭、高人力资本家庭以及位于二线及二线以下城市和中西部地区的家庭群体间更显著.
Does Fintech Promote Common Prosperity——From the Perspective of Wealth Inequality
Common prosperity is the essential requirement of Chinese-style modernization,and narrowing wealth inequality is the core of achieving common prosperity.This study explores whether fintech can promote common prosperity from the perspective of wealth inequality.Empirical research combining Fintech development Index with three rounds of Chinese household finance survey data in 2015,2017 and 2019 shows that the development of fintech has significantly reduced wealth inequality.Mechanism analysis shows that the development of fintech can significantly promote self-employment of low-wealth families,improve financial inclusion and so-cial capital to restrain wealth inequality and achieve common prosperity.Heterogeneity analysis found that the effect of fintech on wealth inequality was more significant among working households,highhuman capital households,and households located in second-tier and lower-tier cities,central and western regions.

Financial TechnologyCommon ProsperityWealth InequalityFinancial Inclusion

孟香君、汪勇

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中国社会科学院大学

北京市经济社会发展研究院

中国社会科学院金融研究所

金融科技 共同富裕 财富不平等 金融普惠性

2024

财经科学
西南财经大学

财经科学

CSTPCDCSSCICHSSCD北大核心
影响因子:1.607
ISSN:1000-8306
年,卷(期):2024.(11)