普惠金融能否有效缩小城乡居民福利差异?

Impact of Inclusive Finance on the Urban-Rural Residents' Welfare Gap

本文根据2008—2014年中国31个省市的面板数据,运用面板门槛模型,考察了普惠金融影响城乡居民福利差异的效应。实证结果显示:普惠金融与城乡居民福利差异之间存在显著的双门槛效应,普惠金融影响城乡居民福利差异的效应呈现逐步放缓的变化特征;普惠金融整体上加大了城乡居民福利差异,只有少数地区的普惠金融对城乡居民福利差异的作用效果不显著。

This paper uses the panel threshold model to study the impact of inclusive finance on urban-rural resi- dents＇ welfare gap through using the panel data of China＇s 31 provinces from 2008 to 2014. The results show that there is a double threshold effect between inclusive finance and urban-rural residents＇ welfare gap. The inclusive finance has widened urban-rural residents＇ welfare gap first, but the effect has been weakened with the development of inclusive fi- nance. Inclusive finance has widened urban-rural residents＇ welfare gap overall and the effect isn＇t significant in only a few provinces.