数字普惠金融增收减贫效应——基于山东省17地市数据的实证分析

Poverty Reduction Effect of Digital Inclusive Finance:Empirical Analysis Based on the Data of 17 Cities in Shandong Province

数字普惠金融借助互联网科技提供金融服务,具备更为广泛的触达能力,从理论上讲,更有利于实现增收减贫.围绕山东省数字普惠金融的增收减贫效应问题展开,利用"北大数字普惠金融指数"对山东省数字普惠金融现状进行分析,并用各地市2011-2019年数据,结合中介效应模型和面板门槛回归方法实证检验了数字金融的增收减贫效应,并进一步探讨了其内在机理.文章主要结论如下:(1)山东数字普惠金融发展低于全国水平,且差距逐年拉大,各地市发展水平分三个梯队,数字金融使用深度差异最大.(2)山东数字普惠金融发展对农民增收减贫有显著积极影响,收入增长是数字金融减贫的中介变量.(3)山东数字普惠金融的减贫效应随城镇化、经济发展和财政支出变化而变化.

Digital Inclusive Finance provides financial services with the help of Internet technology,which has a wider access ability.Theoretically,it is more conducive to increase income and to reduce poverty.Focusing on the income increase and poverty reduction effect of digital Inclusive Finance in Shandong Province,analyzes the current situation of digital Inclusive Finance in Shandong Province by using the"Peking University Digital inclusive finance index",empirically tests the income increase and poverty reduction effect of digital finance with the data of various cities from 2011 to 2019,combined with the intermediary effect model and panel threshold regression method,and further discusses its internal mechanism.The main conclusions are as follows:(1)The development of digital inclusive finance in Shandong is lower than the national level,and the gap is widening year by year.The development level of various cities is divided into three echelon,and the difference in the depth of digital finance use is the largest.(2)The development of digital inclusive finance in Shandong has a significant positive impact on farmers'income increase and poverty reduction,and income growth is the intermediary variable of digital finance reducing Poverty.(3)The poverty reduction effect of digital inclusive finance in Shandong varies with urbanization,economic development andfiscal expenditure.