数字普惠金融对社会保障的影响研究

The Impact of Digital Inclusive Finance on Social Security

研究目标:数字普惠金融是普惠金融和金融科技的结合体,本文旨在分析数字普惠金融对社会保障的影响效应。研究方法:采用2011~2017年中国280个地级市的面板数据,运用中介效应模型分析数字普惠金融对社会保障的影响渠道。研究发现:数字普惠金融能够显著地提升社会保障水平,收入效应、就业效应是其重要的中介传导机制。从结构上看,覆盖广度和使用深度对社会保障水平产生了显著的促进效应,但数字化程度的效应不显著;从区域上看,数字普惠金融对各地区社会保障的促进效应为中部最强、西部其次、东部最弱;从异质性上看,数字普惠金融对医疗保险的促进效应强于养老保险和失业保险。研究创新:嵌入数字普惠金融的新视角,评估数字普惠金融对社会保障的结构效应和传导效应。研究价值:为拓宽数字普惠金融研究思路、推动我国社会保障发展提供有益参考。

Research Objectives:Digital inclusive finance is a combination of inclusive finance and fintech.This paper aims to discuss how digital inclusive finance affects social security in China.Research Methods:We use the prefecture-level panel data from 2011 to 2017,and use mediation effect model to test the influence channel.Research Findings:Digital inclusive finance can significantly improve China's social security,and the intermediary mechanisms are income effect and employment effect.From the structural perspective,coverage and depth have significant positive effects on social security,while the effect of digitization is not significant.From the regional perspective,the central region bears the greatest promotion effects,followed by the western region and eastern region.From the heterogeneous perspective,medical insurance bears the greatest promotion effects,followed by pension insurance and unemployment insurance.Research Innovations:Inserting a new perspective of digital inclusive finance to evaluate the structural and mediate effects of digital inclusive finance on social security.Research Value:Providing useful suggestions for broadening digital inclusive finance's research horizons and promoting social security's development in China.