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数字普惠金融对农村收入差距的影响

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文章利用 2011-2020 年中国 31 个省份的面板数据,以及衡量中国农村收入差距的基尼系数,探讨了数字普惠金融对农村内部收入差距的影响.研究结果表明:从整体上看,数字普惠金融具有缩小农村内部收入差距的显著潜力;从单一维度来看,数字普惠金融的覆盖广度指数和使用深度指数都具有显著缩小农村内部收入差距的能力;此外,政府支农支出和城镇化水平对缩小农村内部收入差距也有趋同作用.要有效缩小农村内部收入差距,不仅要重视数字普惠金融的发展,还要考虑其他因素的影响.
Impact of Digital Financial Inclusion on the Income Gap Within Rural Areas
By utilizing panel data encompassing 31 provinces in China from 2011 to 2020,alongside the Gini coefficient as a measure of China's rural income disparity,this study investigates the influence of digital financial inclusion on the internal rural income gap.The research findings indicate that digital financial inclusion has a significant potential to reduce the internal rural income gap on the whole.And when examining digital financial inclusion from the single-dimensional perspective,both the breadth of coverage index and the depth of utilization index demonstrate a notable capability in diminishing the internal rural income gap.Additionally,government expenditure on agricultural support and the level of urbanization exhibit a convergence effect on reducing the internal rural income gap.To effectively narrow the internal rural income gap,it is crucial to not only focus on the development of digital financial inclusion,but also consider the impact of other factors.

digital financial inclusionincome gap within rural areasthreshold effecturbanization level

何军耀、林俊兰

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重庆理工大学 经济金融学院,重庆 401420

数字普惠金融 农村收入差距 门槛效应 城镇化水平

2024

商业观察

商业观察

ISSN:
年,卷(期):2024.10(9)
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