数字普惠金融与中国农村家庭财富差距

Digital Inclusive Finance and Household Wealth Gap in Rural China

促进农民增收致富和推动乡村振兴是二十大关注的重要问题。本文用分位回归方法分析了数字普惠金融对中国农村家庭财富差距的影响。结果发现:数字普惠金融可以显著提高农村家庭财富积累,并有利于缩小农村家庭财富差距。异质性分析表明,数字普惠金融发展对于低收入家庭和低教育水平家庭财富的正向作用更强,进一步证明了上述结论。机制分析表明,数字普惠金融能显著促进农村家庭特别是低财富家庭的创业行为,而创业对于最低财富组家庭资产的正向刺激作用最强;受流动性约束可能性越大的低财富家庭,越能从数字普惠金融的发展中获益。本文的研究说明,发展数字普惠金融对于探索农民致富路径和推进乡村振兴有积极作用。

Promoting wealth increase and rural revitalization are important topics in China.Quantile regression method was used to analyze the effect of digital inclusive finance on wealth gap in rural China.The empirical results show that digital inclusive finance could increase rural household wealth and narrow the wealth gap significantly.Heterogeneity analysis shows that the positive effects of digital inclusive finance on wealth are stronger for low income and low education households.Moreover,digital inclusive finance could stimulate entrepreneurship of low wealth households.Entrepreneurship has stronger positive impact on the wealth of lower wealth group.Low wealth group who is affected by liquidity constraint could benefit more from the development of digital inclusive finance.It shows that the development of digital inclusive finance has a positive effect on rural household wealth increase and rural revitalization.