基于动态空间杜宾模型的数字普惠金融与城乡收入差距研究

Research on Digital Inclusive Finance and Urbanrural Income Gap Based on Dynamic Spatial Dubin Model

数字普惠金融已成为推动普惠金融深入农村、惠及农民、盘活农业的重要举措,在缓解城乡结构性矛盾中意义重大。本文选取2011~2018年我国30个省份的省级面板数据,运用动态空间杜宾模型探究数字普惠金融与城乡收入差距间的关系,并对以下结论提供了实证角度的支持:(1)数字普惠金融的发展促进城乡收入差距的缩小;(2)数字普惠金融在空间上体现出高度的外溢性,有助于先发地区带动后发地区,形成赶超效应;(3)数字普惠金融在时间上体现出政策效应的滞后性。基于上述研究结论,本文提出借助数字普惠金融进一步缩小城乡收入差距的相关建议。

Digital Inclusive Finance has become an important measure to promote inclusive finance to go to rural areas,benefit farmers and activate agriculture,which is of great significance in alleviating structural contradictions between urban and rural areas.Whether digital financial technology can solve the"financial vacuum"in rural areas,there are still many disputes in the academic circles.This paper selects the provincial panel data of 30 provinces in China from 2011 to 2018,uses the dynamic Spatial Dubin Model to explore the relationship between Digital Inclusive Finance and urban-rural income gap,and provides empirical support for the following conclusions:(1)the development of digital inclusive finance promotes the reduction of urban-rural income gap;(2)digital Inclusive Finance reflects a high degree of spatial spillover,which helps to In the first place,it drives the second place to form the catchup effect;(3)digital Inclusive Finance reflects the lag of policy effect in time.Based on the above conclusions,this paper puts forward some suggestions to further narrow the income gap between urban and rural areas.