数字普惠金融对山东省城乡居民收入差距的影响分析

Analysis Of The Impact Of Digital Inclusive Finance On The Income Gap Between Urban And Rural Residents In Shandong Province

本文通过构建固定效应面板模型,利用2013-2020年间山东省16地市的面板数据,对山东数字普惠金融与城乡居民收入差距关系进行了实证分析,并划分区域进行异质性分析,研究数字普惠金融减贫差距的城乡发展差异性。结果表明,数字普惠金融的发展能够有效抑制城乡居民收入差距,改善城乡发展不平衡的现状,且区域异质性分析表明,该抑制效果在欠发达地区表现的更为突出,数字普惠金融不同维度的细化指标对城乡居民收入差距作用效果在不同地区也不尽相同。因此,今后在推动数字普惠金融发展时,应充分考虑地区经济发展水平及地区特色,具体问题具体分析,使数字普惠金融在抑制城乡居民收入差距上发挥最大作用。

by constructing a fixed effect panel model and using the panel data of 16 cities in Shandong Province from 2013 to 2020, this paper makes an empirical analysis on the relationship between Shandong Digital Inclusive Finance and the income gap between urban and rural residents, and conducts a heterogeneity analysis by dividing regions to study the urban-rural development heterogeneity of the poverty reduction gap of digital Inclusive Finance. The results show that the development of digital inclusive finance can effectively curb the income gap between urban and rural residents and improve the current situation of urban-rural development imbalance. Regional heterogeneity analysis shows that the inhibition effect is more prominent in underdeveloped areas, and the effect of detailed indicators of different dimensions of digital Inclusive Finance on the income gap between urban and rural residents is also different in different regions. Therefore, when promoting the development of digital Inclusive Finance in the future, we should fully consider the level of regional economic development and regional characteristics, and analyze specific problems, so that digital inclusive finance can play a maximum role in curbing the income gap between urban and rural residents.