共同富裕背景下普惠金融发展效率、规模与效应——基于双向固定效应实证分析

Efficiency, Scale and Effect of Inclusive Financial Development under the Background of Common Prosperity—Based on the Empirical Analysis of Two-Way Fixed Effects

普惠金融在推进共同富裕的进程中发挥巨大的能量。基于规模经济理论和金融发展理论,针对城乡收入差距逐渐扩大的问题,运用双向固定效应模型,研究在共同富裕背景下,普惠金融规模、效率与效应。研究发现,普惠金融发展规模的提升,有利于减小城乡收入基尼系数,推进共同富裕。进一步研究发现,普惠金融效率对促进共同富裕也有显著的正向作用。并根据实证结果,提出政策建议。

Inclusive finance plays a huge role in promoting common prosperity. Based on the theory of econo-mies of scale and financial development theory, aiming at the problem of the gradually widening income gap between urban and rural areas, the two-way fixed effect model is used to study the scale, efficiency and effect of inclusive finance under the background of common prosperity. The study found that the improvement of the scale of inclusive financial development is conducive to reducing the Gini coefficient of urban and rural income and promoting common prosperity. Further studies have found that the efficiency of inclusive finance also has a significant positive effect on promoting common prosperity. Based on the empirical results, policy recommendations are put forward.