数字金融使用与家庭贫困减缓  

Digital Financial Use and Household Poverty Alleviation

作　　者：李石新[1] 葛芳婷 

机构地区：[1]湖南科技大学商学院,湖南湘潭411201

出　　处：《浙江金融》2021年第9期23-33,22,共12页Zhejiang Finance

基　　金：2020年国家社科基金项目(20BJY162)。

摘　　要：数字金融是脱贫攻坚的重要力量。本文采用2017年CHFS数据库,在借鉴相关研究得出家庭数字金融使用指标值的基础上,考察数字金融使用与家庭贫困之间基本关系,检验城乡差异和有无补助两方面异质性对二者关系的影响,通过机理分析进行中介效应检验。研究表明:数字金融使用显著减缓家庭贫困,且在农村和无政府补助的家庭中两者的负相关关系更显著;数字金融使用间接通过减缓信贷约束、增加创业概率和提高风险管理来减缓家庭贫困。Digital finance is an important force in poverty alleviation.In this paper,the 2017 CHFS database is used to study the basic relationship between the use of digital finance and family poverty based on the index values of household digital finance use obtained by referring to relevant studies,and the influence of urban and rural differences and whether there is subsidy or not on the relationship is tested.The mediation effect is tested through mechanism analysis.The results show that the use of digital finance significantly reduces family poverty,and the negative correlation between the use of digital finance and the use of digital finance is more significant in rural and non-subsidized households.The use of digital finance indirectly alleviates household poverty by easing credit constraints,increasing the odds of entrepreneurship,and improving risk management.

关 键 词：数字金融 数字金融使用 家庭贫困 

分 类 号：F832.0[经济管理—金融学]