数字普惠金融对城乡收入差距的影响
Influence of Digital Inclusive Finance on Urban-rural Income Gap
胡心怡1
作者信息
- 1. 吉林大学 经济学院,长春 130012
- 折叠
摘要
数字普惠金融能够突破地区限制,有效降低金融服务的门槛与成本.基于数字普惠金融和2000-2022 年省级面板数据进行实证检验,研究城乡居民收入差距的影响因素,分析数字普惠金融、代际收入流动指标、家庭收入差距三者之间的影响机制,并引入中介效应模型探讨其影响路径.研究表明:我国农村居民代际收入的传递主要依靠教育投资,数字普惠金融是改善农村家庭收入差距的重要途径,教育资本的增加、金融业数字化转型进程的加快有助于缩小家庭收入差距,农村代际收入流动在数字普惠金融改善农村家庭收入差距的过程中发挥中介效应.
Abstract
Digital financial inclusion can break through regional restrictions and effectively reduce the threshold and cost of financial services.Based on digital inclusive finance and provincial panel data from 2000 to 2022,the study conducts an empirical test;researches the influencing factors of the income gap between urban and rural residents;analyzes the influencing mechanism among digital inclusive finance,intergenerational income flow index and household income gap;and introduces an intermediary effect model to explore its influencing path.The research shows that the transmission of intergenerational income of rural residents in China mainly depends on education investment,and digital inclusive finance is an important way to improve the income gap of rural households.The increase of educational capital and the acceleration of the digital transformation of the financial industry help to narrow the household income gap.Rural intergenerational income flow plays an intermediary effect in the improvement of the rural household income gap by digital inclusive finance.
关键词
数字普惠金融/代际收入/城乡收入差距/中介效应Key words
Digital inclusive finance/Intergenerational income/Urban-rural income gap/Mediating effect引用本文复制引用
出版年
2024
NETL
NSTL
维普
万方数据