数字普惠金融与城乡收入差距——基于文献的分析

Digital Inclusive Finance and Urban-Rural Income Gap:A Review

从文献综述视角分析了数字普惠金融的发展对我国城乡收入差距的影响。结果发现:传统普惠金融的数字化和数字金融的普惠性是数字普惠金融发展的两种主要路径;数字普惠金融不但突破了地理和时间等方面的限制,让金融更容易走进农村地区,缓解了农村金融排斥,而且降低了金融服务成本,改善了信息不对称,进而通过刺激消费、促进就业、缓解信贷约束、改善人力资本等机制显著收敛了城乡收入差距;同时,区域差异、门槛效应、数字鸿沟、风险及行为异化等因素也会制约数字普惠金融对城乡收入差距的总体收敛效果。

This article mainly analyzes the impact of the development of digital inclusive finance(DIF)on the urban-rural income gap in China through literature review.The results show that the digitalization of traditional inclusive finance and the inclusion of digital finance are the two main paths for the development of DIF;DIF not only breaks through geographical and time constraints,making it easier for finance to enter the countryside regions,alleviating rural financial exclusion,but also reduces the cost of financial services and improves information asymmetry.It has significantly converged the urban-rural income gap through mechanisms that stimulate consumption,promote employment,ease credit constraints,and improve human capital.At the same time,regional differences,threshold effects,the digital divide,risks,and behavioral alienation will also limit the overall convergence effect of DIF on the urban-rural income gap.