数字普惠金融、城乡居民收入与消费差距

Digital Inclusive Finance,Income and Consumption Gap Between Urban and Rural Residents

文章通过构建动态面板模型,利用2011—2020年我国省级数据,探究数字普惠金融对城乡居民消费差距的影响效应。结果表明:数字普惠金融有效缩小了城乡居民消费差距,经过稳健性检验后该结论仍成立;数字普惠金融通过三条渠道缩小消费差距,即提高支付便利性、拓宽融资渠道、降低预防性储蓄需求;数字普惠金融能够通过缩小城乡居民收入差距间接影响消费差距;数字普惠金融对城乡居民消费差距的改善效应存在区域与消费品类别异质性,即在东北、中部和西部地区效果更好,对城乡居民享受型和发展型消费差距改善效果更显著。

By constructing a dynamic panel model and using provincial data from 2011 to 2020,this paper explores the effect of digital inclusive finance on the consumption gap between urban and rural residents.The results go as follows:Digital inclusive finance has effectively narrowed the consumption gap between urban and rural residents,and the conclusion still holds after the robustness test.Digital inclusive finance reduces the consumption gap through three channels:improving payment convenience,broadening financing channels and reducing the need for precautionary savings.Digital inclusive finance can indirectly affect the consumption gap by narrowing the income gap between urban and rural residents.The improvement effect of digital inclusive finance on the consumption gap between urban and rural residents has regional and consumer category heterogeneity,that is,the effect is better in the northeast,central and western regions,and the improvement of the consumption gap between urban and rural residents in the enjoyment type and the development type is more significant.