数字金融对扩大中等收入群体的影响机制与路径分析——基于新发展格局视角

Analysisto the Mechanism and Path of Digital Finance’s Impact on Expanding the Middle Income Group——From the Perspective of New Development Pattern

通过梳理数字金融对中等收入群体影响机制和路径分析发现,数字金融的发展一方面有利于缓解高收入群体和低收入群体之间的收入差距;另一方面数字金融回归实体经济,为各类民营企业、中小企业和个体工商户降低融资成本,助力实体企业降本增效,将间接扩大中等群体。因此,要推进数字金融区域间的均衡发展,大力发展地区金融基础设施建设,提高金融服务的便捷性和可获得性,加快创新数字金融产品种类,提升居民参与数字金融的意识。

Through analyzing the impact mechanism and path of digital finance on middle-income groups,this paper finds that the development of digital finance is conducive to alleviating the income gap between high-income groups and low-income groups on the one hand;On the other hand,digital finance returns to the real economy,reduces financing costs for various private enterprises,small and medium-sized enterprises and self-employed businesses,and helps real enterprises reduce costs and increase efficiency,which can indirectly expand the middle group.Therefore,it is necessary to promote the balanced development of digital finance among regions,vigorously develop the construction of regional financial infrastructure,improve the convenience and availability of financial services,accelerate the innovation of digital financial product categories,and enhance residents’awareness of participating in digital finance.