[1]陈治国,白凤娇.数字普惠金融对城乡居民收入差距的影响效应研究[J].金融教育研究,2021,(05):26-35+80.
　CHEN Zhiguo,BAI Fengjiao.Study on the Influential Effect of Digital Inclusive Finance on Income Gap between Urban and Rural Residents[J].,2021,(05):26-35+80.
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数字普惠金融对城乡居民收入差距的影响效应研究()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2021年05期
页码:
26-35+80
栏目:
金融论坛:数字普惠金融研究
出版日期:
2021-09-25

文章信息/Info

Title:
Study on the Influential Effect of Digital Inclusive Finance on Income Gap between Urban and Rural Residents
文章编号:
2095-0098(2021)05-0026-10
作者:
陈治国;  白凤娇
咸阳师范学院 经济与管理学院,陕西 咸阳 712000
Author(s):
CHEN Zhiguo;  BAI Fengjiao
College of Economics and Management,Xianyang Normal University,Xianyang,Shaanxi 712000,China
关键词:
数字普惠金融;  城乡居民收入差距;  缩小收入差距
Keywords:
Digital inclusive finance;  Income gap between urban and rural residents;  Close income gap
分类号:
F840.6
文献标志码:
A
摘要:
在揭示数字普惠金融对城乡居民收入差距作用机制的基础上,基于省级面板数据,构建了跨省面板数据模型,实证估计了数字普惠金融对城乡居民收入差距的影响效应,并考察了该效应的区域异质性表现,在此基础上又具体估计了数字普惠金融内部各业务分类指数对城乡居民收入差距的作用效果。研究发现:第一,数字普惠金融对城乡居民收入差距有显著的负向影响,且该负向影响通过了稳定性检验,表明数字普惠金融有助于缩小城乡居民收入差距。第二,区域异质性分析表明中西部地区数字普惠金融显著缩小了城乡居民收入差距,且中部地区发挥的效应最为明显,而东部地区所发挥的效果不显著。第三,各业务分类指数分析表明支付指数与信贷指数拉大了城乡居民收入差距,且信贷指数对收入差距拉大的效果比较显著。
Abstract:
On the basis of revealing the mechanism of digital inclusive finance on the income gap between urban and rural residents,and based on the provincial panel data,this paper constructs a cross-provincial panel data model to empirically estimate the influential effect of digital inclusive finance on the income gap between urban and rural residents,and to investigate the regional heterogeneity of this effect.On this basis,it also estimates the effect of various business classification indexes in digital inclusive finance on the income gap between urban and rural residents.The research finds that:(1)The digital inclusive finance has a negative impact on the income gap between urban and rural residents,and the negative impact has passed the stability test,which shows that digital inclusive finance helps to narrow the income gap between urban and rural residents.(2)The regional heterogeneity analysis shows that the digital inclusive finance in the central and western regions has significantly narrowed the income gap between urban and rural residents,and the effect of the central region is the most obvious,while the effect of the eastern region is not significant.(3)The analysis of each business classification index shows that the payment index and the credit index widen the income gap between urban and rural residents,and the credit index have a stronger effect on the widening income gap.

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备注/Memo

备注/Memo:
收稿日期:2021-03-08
基金项目:国家社会科学基金青年项目“要素市场化配置对城乡收入差距‘U型'演变新趋势的影响研究”(20CJY017); 教育部人文社会科学研究青年基金项目“阶层主体性、家庭资产配置与优化路径研究——基于新时代我国农村半工半耕家庭分析”(19YJC790056); 陕西省千人计划区域人才项目
作者简介:陈治国(1984-),男,陕西西安人,博士,讲师,研究方向为农村金融。
更新日期/Last Update: 2021-09-25