数字普惠金融与流动人口家庭相对贫困  

Digital Financial Inclusion and the Relative Poverty of Migrant Workers Family

作　　者：蒋晓敏 周战强[1] 张博尧 JIANG Xiao-min;ZHOU Zhan-qiang;ZHANG Bo-yao

机构地区：[1]中央财经大学经济学院

出　　处：《中央财经大学学报》2022年第3期45-58,共14页Journal of Central University of Finance & Economics

基　　金：国家社会科学基金项目“新型城镇化进程中身份认同对农民工经济行为的影响研究”(项目编号:20BRK017)。

摘　　要：在解决绝对贫困问题之后,相对贫困成为我国当前乃至未来较长时间内需要解决的重点议题。本文基于北京大学金融研究中心发布的数字普惠金融数据、中山大学中国劳动力动态调查及中国城市统计数据,分析了数字普惠金融对流动人口家庭相对贫困的影响。结果表明数字普惠金融显著提高了流动人口家庭相对贫困的概率,这一影响是通过减少流动人口家庭在本地的社会参与实现的。家庭人力资本水平低、社会保险缺乏加深了数字普惠金融对流动人口家庭相对贫困的影响。此外,数字普惠金融对农业户籍、流入东部地区、金融监管较弱地区流动人口家庭相对贫困的影响较大。为缓解数字普惠金融带来的流动人口家庭相对贫困,应加强金融市场监管,营造健康安全的数字普惠金融发展环境;努力缩小数字鸿沟,提升流动人口的知识技能水平;深化社会保险制度改革,提高流动人口的社会保险参与度。The relative poverty has become a key problem to be solved at present and for a long time after the eradication of the absolute poverty in China.We analyze the impact of digital financial inclusion on the relative poverty of migrant workers family based on the data of the Digital Financial Inclusion Index released by the Center for Financial Research of Peking University,China Labor-force Dynamic Survey(CLDS)of Sun Yat-sen University and China city statistics.We find that the digital financial inclusion significantly increases the likelihood of the relative poverty of the migrant workers family,which is realized by decreasing their social participation.The impact of the digital financial inclusion is exacerbated by their low household human capital and lack of social insurance.In addition,the digital financial inclusion has a greater impact on the relative poverty of migrant workers family with agricultural household,in eastern China and in regions with weak financial supervision.In order to alleviate their relative poverty caused by the digital financial inclusion,the government should strengthen the supervision of financial market to create a favorable environment for the development of the digital financial inclusion,bridge migrant workers digital divides,enhance their knowledge and skills,and deepen the reform of the social security system to increase their participation in social insurance.

关 键 词：数字普惠金融 流动人口 人力资本 社会保险 相对贫困 

分 类 号：F832[经济管理—金融学] F49