中国数字普惠金融的减贫效应研究

Poverty reduction effect of digital inclusive finance in China

成本昂贵和效率低下导致传统普惠金融发展的可持续性受限,数字技术与普惠金融的结合为其可持续发展带来了新的解决方案。发展数字普惠金融是否能起到减缓贫困的作用,本文简要分析了数字普惠金融对贫困减缓的作用机理,之后以贫困发生率为被解释变量,引用数字普惠金融指数,基于中国省级面板数据,构建动态面板模型,并采用系统GMM方法进行模型估计。实证分析结果表明,数字普惠金融确实能够降低贫困发生率。此外,经济发展对贫困减缓的作用最强,而城乡收入分配差距扩大将导致贫困发生率增加。

The high cost and low efficiency limit the sustainability of traditional inclusive finance.The combination of digital technology and inclusive finance brings new solutions for its sustainable development.Does the development of inclusive digital finance contribute to poverty alleviation?This paper briefly analyses the mechanism of digital inclusive finance on poverty alleviation.Then,take incidence of poverty as an independent variable,using the digital inclusive financial index,based on the provincial panel data of China to construct a dynamic panel model and the model is estimated by using the system GMM method.Empirical analysis shows that digital inclusive finance can indeed reduce the incidence of poverty.In addition,economic development has the strongest impact on poverty alleviation,and the widening income distribution gap between urban and rural areas will lead to an increase in the incidence of poverty.