数字普惠金融能够缩小城乡收入差距吗——基于空间面板模型

Can Digital Inclusive Finance Narrow the Urban-rural Income Gap?—Based on the Spacial Panel Model

运用空间自回归模型验证了数字普惠金融是否能够缩小城乡收入差距,并通过空间效应分解研究省份间的影响,最后利用动态空间模型消除了内生性问题。结果表明:数字普惠金融能缩小城乡收入差距;空间效应分解结果表明,本省数字普惠金融发展水平对邻接省份的城乡收入差距的缩小也同样具有积极作用。提出要积极发展数字普惠金融,加强省份间的交流合作,充分发挥省份间的空间溢出效应。

This paper uses the spatial auto-regression model to verify whether the digital inclusive finance can narrow the income gap between urban and rural areas,studies the influence between provinces through the spatial effect decomposition,and finally eliminates endogenous problems by means of dynamic spatial model.The results show that digital inclusive finance can narrow the urban-rural income gap.The results of spatial effect decomposition show that the development level of digital inclusive finance of the province can also take a positive role in narrowing the urban-rural income gap in neighboring provinces.Therefore,we should focus on the development of digital inclusive finance,strengthen exchanges and cooperation between provinces,and give full play to the spatial spillover effect between provinces.