数字普惠金融对城乡居民收入分配的门槛效应研究

Research on the threshold effect of digital inclusive finance on the income distribution of urban and rural residents

党的十九大强调用金融赋能社会城乡治理,切实提升数字普惠金融服务水平,在城乡居民金融发展权、改善民生、调节城乡收入分配方面发挥更重要的作用.文章从理论上阐述了数字普惠金融发展对城乡居民收入分配的影响机理,以2011-2018年我国省际面板数据为实证样本,量化分析了数字普惠金融对我国城乡居民收入的影响,结果表明,数字普惠金融对城乡居民收入影响呈现显著的门槛特征.进一步地,数字普惠金融发展在基于金融服务数字化程度、金融服务覆盖广度和金融服务使用深度方面对城乡居民收入也存在门槛效应.研究结论为贫困乡村地区优化数字普惠金融环境提供了依据,并为切实缩小城乡居民收入差距提供可行性路径.

The 19th National Congress of the Communist Party of China emphasized the use of finance to empower social urban and rural governance,effectively improving the level of digital inclusive financial services,and playing a more important role in the financial development of urban and rural residents,improving people s livelihood,and regulating urban and rural income distribution.The article theoretically expounds the mechanism of the impact of the development of digital financial inclusion on the income distribution of urban and rural residents,and empirically uses China′s inter-provincial panel data from 2011 to 2018 as empirical samples to quantify the impact of digital financial inclusion on the income of urban and rural residents in China.The article′s research found that digital financial inclusion has a threshold effect on the income of urban and rural residents in China.Furthermore,the development of digital financial inclusion also has a threshold effect on the income of urban and rural residents based on the degree of digitalization of financial services,the breadth of financial service coverage,and the depth of financial service use.This discovery provides a basis for accelerating the construction of a digital inclusive financial development environment in poor rural areas and effectively reducing the income gap between urban and rural residents.