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数字普惠金融化解多维贫困可持续机制研究

Research on the Sustainable Mechanism of Digital Financial Inclusion Resolving Multidimensional Poverty
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摘要 随着金融科技创新加快,数字普惠金融减贫效应逐步显现,现阶段探究数字普惠金融化解多维贫困可持续机制十分必要。文章编制农村居民多维贫困指数MRI进行测度,发现我国多维贫困呈现出“东部最低,中部次之,西部最高”的梯度分布。其次以贫困指数MRI为被解释变量,北大数字普惠金融指数DIDF为解释变量进行了面板数据分析。结果显示,DIDF、RGDP、IS均能够有效缓解农村居民多维贫困状况,而WEG则会加剧地区农村居民的多维贫困。文章探讨数字普惠金融化解多维贫困可持续机制的思路,提出创新金融科技促使国有银行升级转型、打造数字普惠金融网络提升减贫效率、推动数字普惠金融融合发展和推广运用、建设新型征信系统以强化风险防控等对策建议。 As Fintech innovation accelerates,the effect of digital financial inclusion on poverty reduction has gradually emerged.It is necessary to explore the sustainable mechanism of digital financial inclusion to resolve multidimensional poverty at this stage.In this article,MRI of multidimensional poverty index of rural residents was compiled to measureand we found that multidimensional poverty in China appears a gradient distribution of“the lowest in the east,the second in the middle and the highest in the west”.Secondly,panel data analysis was conducted with poverty index MRI as the explanatory variable and the Peking University Digital Financial Inclusion Index of China DIDF as the explanatory variable.Results showed that DIDF,RGDP and IS all can effectively alleviate multidimensional poverty of rural residents,and WEG will aggravate multidimensional poverty of rural residents in the region.This article discussed the idea of digital financial inclusion resolving multidimensional poverty sustainable mechanism,put forward some countermeasures and suggestions such as innovating Fintech can promote the upgrading and transformation of state-owned banks,building a digital financial inclusion network to improve poverty reduction efficiency,promoting the integrated development and popularization of digital financial inclusion and building a new credit investigation system to strengthen risks prevention and control.
作者 曾之明 王浩维 赵志刚 ZENG Zhi-ming;WANG Hao-wei;ZHAO Zhi-gang(Institute for Local Finance,Hunan University of Technology and Business,Changsha,Hunan 410205)
出处 《商学研究》 2022年第5期34-46,108,共14页 Commercial Science Research
基金 国家社会科学基金项目“不确定性视角下农村普惠金融创新发展减缓相对贫困的长效机制研究”(20BJY154) 湖南省教育厅重点项目(18A301)。
关键词 数字普惠金融 面板数据分析 多维贫困指数 GMM模型 监管沙盒 digital financial inclusion panel data analysis multidimensional poverty index GMM model regulatory sandbox
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