数字普惠金融发展能否缓解城乡收入差距--基于省级面板数据的检验

Can the Development of Digital Inclusive Finance Alleviate Urban-Rural Income Gap--Inspection Based on Provincial Panel Data

基于2011—2018年中国省级面板数据,通过构建面板固定效应模型、中介效应模型、面板门槛模型实证分析了数字普惠金融对城乡收入差距的影响。研究发现:我国数字普惠金融水平的提高能够有效缓解城乡收入差距;数字普惠金融能够通过降低农村地区的贫困发生率从而缓解城乡收入差距;随着教育水平的提升,数字普惠金融对于城乡收入差距的缓解作用会加强;中西部地区数字普惠金融水平对收入差距的缓解效果优于东部地区。因此,我国应完善农村地区的数字化建设,进一步提升教育水平,改善农村地区居民的金融素养,着力提升我国中西部地区的数字普惠金融水平。

Based on 2011-2018 China’s provincial panel data,the paper empirically analyzed the impact of digital inclusive finance on urban-rural income gap by constructing panel fixed effect model,intermediary effect model and panel threshold model.The results showed that,the improvement of the level of China’s digital inclusive finance could effectively alleviate urban-rural income gap through the path of reducing the incidence of poverty in rural areas.Besides,the improvement of education level may strengthen the alleviating effect.And the alleviation effect was more significant in the central and western regions than that in eastern region.Therefore,the government should further perfect the digital construction of rural areas and improve their education level,further better the financial literacy of rural residents,finally raise the digital inclusive financal level in the central and western regions.