普惠金融促进共同富裕:理论、测度与实证

Inclusive Finance Promotes Mutual Prosperity: Theory, Measurement, and Empirical Research

基于中国2010—2019年的省级数据,利用耦合协调度模型测度共同富裕程度,研究普惠金融影响共同富裕的作用机制与数量关系,结果表明,普惠金融与共同富裕显著正相关,普惠金融通过包容增长、创新效应、创业效应等,有利于降低收入不平等、提升收入水平,促进收入子系统与平等子系统协调统一,进而促进共同富裕的实现;区域异质性分析发现,促进共同富裕的主要贡献来源于东部地区的收入提升效应,收入不平等改善相对有限。建议强化普惠金融协调收入提升与不平等改善的能力,拓展普惠金融内涵,加快普惠金融发展。

The present study aims to develop a quantitative measure for common prosperity by constructing a coupling coordination degree model based on China’s provincial data from 2010 to 2019;in addition,it aims to examine the influence of inclusive finance on common prosperity,as well as the relationship between them.The results revealed that inclusive finance was significantly positively correlated with common prosperity.Through inclusive growth,innovation effects,and entrepreneurial effects,inclusive finance was found to facilitate the reduction of income inequality,increase income,and harmonize the income and equality subsystem,thereby further promoting common prosperity.The analysis of regional heterogeneity revealed that the main contribution to common prosperity originated from the improvement of income in China’s eastern regions;however,income inequality was not considerably reduced.It is recommended that corresponding parties strengthen inclusive finance capabilities by coordinating income increases with inequality elimination measures,as well as expand the role and augment the development of inclusive finance in corresponding measures.