数字普惠金融对农村老年贫困的影响  

Research on the Impact of Digital Inclusive Finance on the RuralElderly Poverty

作　　者：蒋雯 JIANG Wen(College of Economics and Management,Nanjing Forestry University,Nanjing 210037,China)

机构地区：[1]南京林业大学经济管理学院,南京210037

出　　处：《中国林业经济》2022年第5期140-144,共5页China Forestry Economics

摘　　要：利用2018年CHARLS数据库和数字普惠金融指数,通过建立Probit模型来研究数字普惠金融对农村老年贫困是否具有负面影响再加以稳健性检验和内生性分析。研究结果如下:数字普惠金融对于农村老年经济贫困、健康贫困、精神贫困有减缓作用,在处理了内生性问题后研究结果依然显著。经过稳健性检验可以得出数字普惠金融指数及三个子维度指数对农村老年经济贫困、健康贫困、精神贫困的回归系数均显著且为负。异质性分析表明数字普惠金融的发展可以减缓东部农村老年群体的经济贫困和健康贫困但是对精神贫困影响不大,而在中西部可以减缓农村老年精神贫困。Using the 2018 CHARLS database and digital financial inclusion index,this paper established a Probit model to study whether digital financial inclusion had a negative impact on rural elderly poverty.The digital inclusive finance had a significant slowing effect on the rural elderly economic poverty,the rural elderly health poverty and the rural elderly spiritual poverty.Through the robustness test,it had shown that the digital inclusive finance index and the three sub-dimension indexes on the rural elderly economic poverty,the rural elderly health poverty and the rural elderly spiritual poverty had significant negative correlation.It suggested that digital financial inclusion could reduce poverty in the elderly.Heterogeneity analysis showed that digital inclusive financial could slow down the development of the eastern rural poverty and health of the elderly poor but had a little effects on spiritual poverty.

关 键 词：数字普惠金融 老年贫困 CHARLS 

分 类 号：F832[经济管理—金融学]