数字普惠金融、人力资本投资与共同富裕

Digital Inclusive Finance,Human Capital Investment and Common Wealth

发展数字普惠金融是实现共同富裕的重要举措,本文采用2011-2020年的省级面板数据,实证研究数字普惠金融、人力资本投资与共同富裕之间的关系,结果表明:(1)发展数字普惠金融能够推动共同富裕的实现;(2)人力资本投资在数字普惠金融对共同富裕的驱动作用中发挥正向调节效应;(3)高人力资本投资群体中,数字普惠金融对共同富裕的促进作用更强。本文提出要构建覆盖城乡的金融服务体系,利用数字经济的热度大力度发展数字普惠金融以及提高居民基本金融素养和水平的对策建议,对有序推进数字普惠金融的发展,提高居民教育以及医疗水平,促进共同富裕发展,具有重要现实意义。

The development of digital inclusive finance is an important initiative to realize common wealth,this paper uses provincial panel data from 2011-2020 to empirically study the relationship between digital inclusive finance,human capital investment and common wealth,and the results show that:(1) the development of digital inclusive finance can promote the realization of common wealth;(2) human capital investment plays a positive moderating effect in the driving effect of digital inclusive finance on the common wealth;(3) digital inclusive finance plays a positive moderating effect in the driving effect of common wealth;and(4) the promotion effect of digital inclusive finance on common wealth is stronger in the high human capital investment group.This paper puts forward countermeasure suggestions to build a financial service system covering both urban and rural areas,to utilize the heat of the digital economy to develop digital inclusive finance in a big way as well as to improve the basic financial literacy and level of the population.It is of great practical significance to promote the development of digital inclusive finance in an orderly manner,improve the level of education and medical care of residents,and promote the development of common wealth.