数字普惠金融对城乡收入差距的异质性影响——基于省级面板数据的门槛回归分析

Heterogeneous Effects of Digital Inclusive Finance on Urban-Rural Income Gap——A Threshold Regression Analysis Based on Provincial Panel Data

本文选用全国各省份的城乡收入差距数值和2012—2020年北京大学数字普惠金融指数,应用门槛回归模型分析我国数字普惠金融发展对城乡居民收入差距的作用。根据回归结果分析得知:从全国样本视角来看,利用城市化率作为门槛变量,当城市化率小于72.17%的门槛区间时,数字普惠金融以较大的效用缩减城乡收入差距;从分区域来看,东、中存在单一门槛,其中东部的门槛值大于中部,数字普惠金融的最高收敛效果中部最强、东部其次,西部的数字普惠金融的收敛效果不显著。最后,为更好地发挥数字普惠金融的收敛价值,本文提出相应的政策与发展建议,为建设数字乡村、推进乡村振兴提供金融支持。

Using the urban-rural income gap values provinces around the country and the Peking University Digital Inclusive Finance Index from 2012 to 2020,a threshold regression model is applied to examine the role of China’s digital inclusive finance development on the income gap between urban and rural residents.By analyzing the regression results,it can be found that:in view of the national sample perspective,using the urbanization rate as the threshold variable,it is concluded that digital inclusive finance shrinks the urban-rural income gap with greater utility when the urbanization rate is in the threshold interval of less than 72.17%.In the regional sample perspective,a single threshold exists in East and Central,where the threshold value in East is larger than that in Central.The highest convergence effect of digital inclusion finance is strongest in Central,followed by East,and the convergence effect of digital inclusion finance in West is not significant.Finally,in order to better let digital inclusive finance play its convergence value,this paper puts forward corresponding policies and development suggestions to provide financial support for building digital villages and promoting rural revitalization.