数字金融是否改善了居民收入结构?——基于“长尾”理论的视角

Does Digital Finance Improve Residents’Income Structure?——An Perspective of the"Long Tail"Theory

将“长尾”理论纳入数字金融对收入结构影响的分析框架,通过数字金融的“长尾”效应分析数字金融对收入结构改善的机理。采用2012—2018年北京大学数字金融指数与家庭追踪调查数据,运用双向固定效应模型及分组回归法进行实证分析,结果发现数字金融在提升居民整体收入水平的同时,更能改善收入结构,尤其是在农村、中西部未能接触互联网的及以低收入群体为代表的“长尾”家庭中表现更为显著。

Incorporating the"long tail"theory into the analytical framework of the impact of digital finance on the income distribution structure,the present research attempts to analyze the mechanism for digital finance improving the income distribution structure through the"long tail"effect of digital finance.By applying the two-way fixed-effect model and the group regression method,the researchers conducted an empirical analysis by using the Peking University digital finance index and household tracking survey data from 2012 to 2018.The findings show that digital finance,while increasing residents’overall income,can even improve the income distribution structure,especially among the"long tail"households represented by low-income groups in rural areas,central and western regions without access to the Internet.