数字普惠金融对城镇弱势群体收入的影响  

Research on the Impact of Digital Inclusive Finance on the Income of Urban Vulnerable Groups

作　　者：李连梦 吴青[2] LI Lianmeng;WU Qing(Postdoctoral Research Station,Agricultural Development Bank of China,Beijing 100045,China;School of International Business and Economics,University of Internalional Business and Economics,Beijing 100029,China)

机构地区：[1]中国农业发展银行博士后科研工作站,北京100045 [2]对外经济贸易大学国际经济贸易学院,北京100029

出　　处：《经济与管理》2021年第2期47-53,共7页Economy and Management

基　　金：天津市哲学社会科学规划项目(TJYYWT16-019)。

摘　　要：基于收入增加和收入差距缩小的双重视角,运用固定效应面板模型探究数字普惠金融对城镇弱势群体收入的影响。研究结果显示:数字普惠金融的覆盖广度、信贷业务、支付业务以及数字支持服务等均可以显著促进城镇低收入群体的收入增长,但并未缩小城镇低收入群体与中高收入群体的收入差距,反而扩大了两者之间的收入差距;数字普惠金融总指数可以促进城镇低收入群体收入增加,但同样扩大了低收入群体与中高收入群体的收入差距。因此,政府应进一步推动欠发达地区数字普惠金融基础设施建设,增加普惠金融产品和服务,规范金融创新。同时,还应健全低收入群体的福利保障体系,缩小城市内部收入差距。Based on the dual perspective of increasing income and narrowing the income gap,this paper uses a fixed-effect panel model to explore the impact of digital inclusive finance on urban poverty.The results show that:digital inclusive finance such as the coverage breadth,credit,payment,and digital support services,can significantly promote the income growth of urban low-income groups,but it did not narrow the income gap between the low-income group and the middle-income group,even widened the income gap between them;digital inclusive finance index also can promote the increase of income of urban low-income groups,enlarging the income gap.It is necessary to further strengthen the construction of infrastructure in underdeveloped regions,innovate financial products,improve the welfare guarantee system,and regulate the development of financial innovation.

关 键 词：数字普惠金融 城镇低收入群体 收入增长 收入差距缩小 

分 类 号：F832[经济管理—金融学]