共同富裕背景下数字普惠金融对我国城乡收入差距的影响研究——基于工资收入差距的中介效应分析

The Impact of Digital Inclusive Finance on China s Urban-Rural Income Gap in the Context of Common Prosperity:An Analysis of Mediating Effect Based on Wage Income Gap

发展数字普惠金融旨在让更多人享受金融发展的红利。利用2011—2020年我国省域面板数据,采用个体固定效应模型,实证分析数字普惠金融对城乡收入差距的影响和作用机制。研究结果表明:数字普惠金融可以缩小城乡可支配收入差距以及城乡工资收入差距;数字普惠金融可以通过缩小城乡工资收入差距来缩小城乡可支配收入差距;数字普惠金融对西部地区城乡收入差距的缩小效应最强,中部地区次之,东部地区最弱;《G20数字普惠金融高级原则》出台之后,数字普惠金融对城乡收入差距的缩小作用得到了加强。基于此,建议因地制宜,制定符合区域特征的数字普惠金融发展战略;健全相应法律法规,加大对互联网平台的监管力度;完善信用信息建设,促进农村居民创业就业。

The development of digital inclusive finance aims to enable more people to enjoy the dividends of financial development.Using China s provincial panel data from 2011 to 2020 and the individual fixed effect model,this paper empirically analyzes the impact and mechanism of digital inclusive finance on the urban-rural income gap.The results show that digital inclusive finance can narrow the urban-rural disposable income gap as well as the urban-rural wage income gap;digital inclusive finance can reduce the urban-rural disposable income gap by narrowing the urban-rural wage income gap;digital inclusive finance has the strongest effect on narrowing the urban-rural income gap in the western region,followed by the central region,and the weakest in the eastern region;and the role of digital inclusive finance in narrowing the urban-rural income gap has been strengthened after the introduction of the G20 Advanced Principles of Digital Inclusive Finance.On this basis,it is recommended to formulate a strategy for the development of digital inclusive finance according to local conditions and regional characteristics,improve relevant laws and regulations and strengthen supervision of internet platforms,and improve the construction of credit information to promote entrepreneurship and employment of rural residents.