数字普惠金融对有效收敛城乡收入鸿沟的作用研究——来自中国西部地区十二省市的证据

Research on How Digital Inclusive Finance Effectively Narrows the Rural-urban Income Gaps?——Evidence from Twelve Provinces and Cities in Western China

本文选择2011—2020年西部12省市的泰尔指数、数字普惠金融、产业结构、经济发展水平、城镇化率、财政支出比率和贸易开放度数据,使用面板估计模型进行统计分析。结果表明,数字普惠金融的回归系数显著为负,且通过显著性检验,表明我国西部地区数字普惠金融的发展有效收敛了城镇和农村居民之间的收入差距。因此,应推进西部地区金融机构数字化建设进程,提高数字金融的普惠性和全面性,提高城乡居民的金融综合素养,优化与创新金融产品与服务的供给。

This paper selects the data of the Thiel index,digital inclusive finance,industrial structure,economic development level,urbanization rate,fiscal expenditure ratio and trade openness of 12 provinces and cities in western China from 2011 to 2020,and conducts statistical analyses with a panel estimation model.The results show that the regression coefficient of digital inclusive finance is significantly negative and the significance test indicates that the development of digital inclusive finance in the western regions of China has effectively narrowed income gaps between urban and rural residents.Therefore,the digital construction process of financial institutions in the Western regions should be promoted to improve the inclusiveness and comprehensiveness of digital finance,improve the comprehensive financial literacy of urban and rural residents,and optimize and innovate the supply of financial products and services.