数字普惠金融对缩小城乡收入差距的作用机制研究--基于湖北省市级面板数据

Research on the Function Mechanism of Digital HP Finance to Narrow the Urban-rural Income Gap---Based on Municipal Panel Data of Hubei Province

党的十九大报告指出:“我国社会主要矛盾已经转化为人民日益增长的美好生活需要和不平衡不充分的发展之间的矛盾”,缩小城乡收入差距成为了我国当前经济发展过程中亟需解决的问题,数字普惠金融凭借其创新性、可持续性等特点成为缩小城乡收入差距的重要抓手。在理论分析的基础上,选取湖北省2011—2018年13个地市州的面板数据,构建多个面板模型实证检验了数字普惠金融及其不同维度、功能差异和中介机制对城乡收入差距的影响。研究结果表明:数字普惠金融会显著缩小城乡收入差距;从不同维度看,覆盖广度、使用深度和数字化程度均会缩小城乡收入差距;从功能差异看,除了小额投资影响效果不明显之外,数字支付、网络信贷以及小额理财均能显著缩小城乡收入差距;从中介机制上看,随着数字普惠金融的不断发展,就业效应和收入效应将有助于改善城乡收入差距。因此,不断推进数字普惠金融发展、打造多方联动的生态圈,是进一步缩小城乡收入差距的关键举措。

Pointed out in the Report to the 19th National Congress of the CPC:“social principal con-tradictions of our country has been converted to the good life is people’s increasing needs and inade-quate development imbalance between the contradiction”,narrowing the income gap between urban and rural areas has become China’s current economic development needs to solve problems,in the process of digital pratt&whitney finance with its innovative,sustainable characteristics become an important gripper narrowing the income gap between urban and rural areas.On the basis of theoretical analysis,this paper selects the panel data of 13 cities and prefectures in Hubei Province from 2011 to 2018 to construct several panel models to empirically test the effects of digital inclusive finance and its different dimensions,functional differences and intermediary mechanisms on the urban-rural income gap.The results show that:digital inclusive finance will significantly reduce the urban-rural income gap;From different dimensions,coverage breadth,use depth and digitalization degree will narrow the urban-rural income gap;From the perspective of functional differences,digital payment,online credit,micro-finance and micro-finance can significantly narrow the urban-rural income gap,except that the effect of micro-investment is not obvious.From the perspective of intermediary mechanism,with the continuous development of digital inclusive finance,employment effect and income effect will help to improve the urban-rural income gap.Therefore,to continuously promote the development of digital in-clusive finance and build an ecosystem of multi-party linkage is a key measure to further narrow the urban-rural income gap.