数字普惠金融与可持续减贫-来自“一带一路”沿线国家的证据

Digital Financial Inclusion and Sustainable Poverty Reduction:Evidence from Countries Along the“Belt and Road”

基于“一带一路”沿线34个国家2010—2018年面板数据,采用面板工具变量法探究数字普惠金融对“一带一路”沿线国家可持续减贫的影响效应。在充分考虑内生性和结论稳健性的前提下,实证结果表明:数字普惠金融对“一带一路”沿线国家可持续减贫具有显著的促进作用;该减贫效应在国民收入方面呈现出一定的异质性;在进一步的分析中,数字普惠金融发展对“一带一路”沿线的中低收入和高收入国家可持续减贫的影响具有门槛效应。在此基础上提出加强数字金融网络建设、展开差异化布局和建立交流合作平台等政策建议。

Based on the panel data from 34 countries along the“Belt and Road”from 2010 to 2018,this study adopts the instrumental variable method to explore the impacts of digital financial inclusion on sustainable poverty reduction among the B&R countries.Taken into full consideration of endogeneity and robust conclusion,the result shows that digital finance inclusion promotes the sustainable poverty reduction significantly and the promoting effect is heterogeneous.In the further analysis,there has been a threshold effect of digital financial inclusion on sustainable poverty reduction between low-middle income economies and high income economies along the“Belt and Road”.Based on this,we put forward some policy suggestions such as strengthening the construction of digital financial networks,launching differentiated layouts and establishing platforms for communication and cooperation.