数字普惠金融缩小城乡收入差距的实证检验  

Empirical Analysis of Digital Inclusive Finance Bridging the Urban-rural Residents' Income Gap

作　　者：宋晓玲[1] Song Xiaoling

机构地区：[1]北京语言大学商学院

出　　处：《财经科学》2017年第6期14-25,共12页Finance & Economics

基　　金："十二五"国家科技支撑计划项目"村镇金融服务关键技术及系统研发与示范"(2014BAL07B03);北京语言大学院级科研项目(中央高校基本科研业务专项资金资助)(17YJ04004)

摘　　要：本文基于互联网金融服务的视角,运用泰尔指数对我国各省城乡居民收入差距进行测算,进而采用我国31个省份2011—2015年度数据构建平衡面板数据模型,实证分析数字普惠金融对城乡收入差距的影响。研究表明:数字普惠金融的发展能够显著缩小城乡居民收入差距;在控制变量中,城市化水平、对外开放程度、财政支出等因素对城乡收入差距的影响也很显著。因此,我国应确立数字普惠金融发展战略和总体思路,重塑发展路径,打造多方合作与相互支持的数字普惠金融生态圈,积极发挥其他因素与数字普惠金融的共同作用,以促进数字普惠金融的发展和城乡收入差距的缩小。From the perspective of Internet financial services, using Theil index to measure China＇ s urban-rural resi- dents＇ income gap, constructing panel data regression model, the author analyses the influence of digital inclusive fi- nance on urban and rural income gap. The empirical result shows that the development of digital inclusive finance could bridge the urban-rural residents＇ income gap; and the level of urbanization, fiscal expenditures and economic de- velopment level could also make effects significantly. It＇ s proposed that financial institutions establish digital inclu- sive financial development strategy and the overall developing thinking, and buildthe digital inclusive financial ecosys- tem, in order to promote the development of digital inclusive finance and reducing the income gap between urban and rural areas.

关 键 词：数字普惠金融 城乡收入差距 平衡面板数据 

分 类 号：F124.7[经济管理—世界经济] F832