人口老龄化对普惠金融发展的影响研究

Research on the Influence of Population Aging on the Development of Inclusive Finance

本文聚焦人口老龄化与普惠金融的关系,从四个层面分析人口老龄化对普惠金融的影响效应,构建面板数据门限回归模型,实证分析人口老龄化对普惠金融发展的影响。结果发现:人口老龄化对普惠金融指数的影响存在基于人口老龄化水平、信息化程度的门槛效应,人口老龄化水平越过门槛值后,其对普惠金融发展的负面影响效应加强;信息化程度越过门槛值后,人口老龄化对普惠金融发展的负面影响效应增强。

This article focuses on the relationship between population aging and inclusive finance,the effects of population aging on inclusive finance are analyzed from four levels.It builds a panel data threshold regression model and empirically analyzes the impact of aging population on inclusive finance development.It is found that the impact of population aging on the inclusive financial index has a threshold effect based on the level of population aging and the degree of informatization.After the level of population aging exceeds the threshold,its negative impact on the development of inclusive finance will be strengthened;when the informatization exceeds the threshold,the negative effect of population aging on the development of inclusive finance will increase.