区域视角下数字普惠金融发展对城乡收入差距的影响研究--基于面板门槛模型的实证分析

The Influence of Digital Inclusive Finance Development on Urban-rural Income Gap from A Regional Perspective:Empirical Analysis Based on Panel Threshold Model

本文基于全国31个省份的数据,采用面板门槛模型分析数字普惠金融发展对城乡居民收入差距的影响。在全国层面,在人均GDP未达到第一个门槛值(20076.39元)之前,数字普惠金融发展会显著拉大城乡收入差距;在人均GDP跨越第一个门槛值之后,扩大效应减少,在人均GDP跨越第二个门槛值(27950.77元)后,数字普惠金融发展能显著缩小城乡收入差距。在区域层面,数字普惠金融发展能缩小西部地区的城乡收入差距,但对东部地区的城乡收入差距有扩大作用,中部的回归结果与全国类似。西部数字普惠金融的发展对缩小城乡收入差距的边际贡献更大。建议充分考虑地区差异,积极发展数字普惠金融,推动农村金融服务下沉,缩小城乡收入差距。

Based on the data of 31 provinces in China,the panel threshold model was used to analyze the impact of digital inclusive finance development on the income gap between urban and rural residents.At the national level.Before per capita GDP reaches the first threshold,digital financial inclusion will significantly widen the income gap between urban and rural areas.After per capita GDP crossed the first threshold,the above expansion effect was reduced.After per capita GDP passed the second threshold,the development of digital inclusive finance could significantly reduce the income gap between urban and rural areas.At the regional level,the development of digital inclusive finance can narrow the urban-rural income gap in the western region,but has a widening effect on the urban-rural income gap in the eastern region,and the regression results in the central region are similar to those in the whole country.The development of digital inclusive finance in western China has a greater marginal contribution to narrowing the urban-rural income gap.We suggest that regional differences be fully taken into account,digital inclusive finance be actively developed,rural financial services be reduced,the income gap between urban and rural areas be narrowed.