数字金融发展对家庭收入的影响研究

Impact of Digital Finance’s Development on Household Income

基于中国家庭追踪调查数据和数字普惠金融指数,本文通过构建家庭收入方程的面板固定效应模型,分析数字金融发展对家庭收入的影响。研究结果表明:数字金融发展能够促进家庭收入水平的显著提升,主要缘于数字金融发展对工资性收入和经营性收入的增长均具有显著的促进作用;尽管数字金融的数字化程度对家庭收入存在一定的负向影响,但数字金融的覆盖广度和使用深度能够促进家庭收入水平的显著提升;数字金融发展对农村家庭和低技能家庭的收入具有更强的促进作用;数字金融发展不仅能够直接促进家庭收入水平的提升,而且能够通过促进经济增长间接地促进家庭收入水平的提升。因此,加强数字技术与互联网基础设施建设,扩大数字金融覆盖面,深化数字金融使用程度,将不仅有助于城乡居民家庭收入水平的显著提升,而且有助于抑制城乡差距的持续扩大。

Based on the data of the China Family Panel Studies(CFPS)and Digital Financial Inclusion Index of China,this paper analyzes the impact of digital finance’s development on household income by constructing a panel fixed effects model of the household income equation.The conclusions are as follow:Digital finance’s development can significantly increase household income,mainly due to the significant promotion effect of digital finance’s development on wage income and operating income.Although there is a negative effect of digital finance digitization on household income,the breadth of digital financial coverage and depth of use can improve household income to a great extent.The digital finance’s development has a stronger effect on the income growth of rural households and low-skilled households.Digital finance’s development not only can directly promote the increase of household income,but also indirectly promote the increase of household income level by promoting regional economic growth.Therefore,strengthening the construction of digital technology and internet infrastructure,expanding the coverage of digital finance,and deepening the degree of digital finance usage will not only help to significantly improve the income level of urban and rural households,but also help to curb the continuous widening of the urban-rural gap.