数字普惠金融、数字鸿沟与多维相对贫困——基于老龄化的视角  

Digital Inclusive Finance,Digital Divide and Multidimensional Relative Poverty——From the Perspective of Aging

作　　者：陈平[1] 王书华[1] Chen Ping;Wang Shuhua

机构地区：[1]山西财经大学金融学院,太原030006

出　　处：《经济问题探索》2022年第10期173-190,共18页Inquiry Into Economic Issues

基　　金：国家自然科学基金项目“二元结构下中国金融资源配置与城乡居民收入差距动态传导机制研究”(71303142),项目负责人:王书华;全国党校(行政学院)系统重点调研课题“碳达峰、碳中和战略下山西省环境经济政策研究”(2021DXXTZDDYKT014),项目负责人:崔泽园;山西省哲学社会科学规划课题“资源型地区产业结构转型升级中数字金融驱动效应研究”(2021YY196),项目负责人:范瑞。

摘　　要：在我国老龄化程度加深的背景下,破解老年人口多维相对贫困问题对我国实现共同富裕有积极影响。本文利用中国健康与养老追踪调查数据与北京大学数字普惠金融指数,研究了数字普惠金融和数字鸿沟对老年人口多维相对贫困的影响。研究表明:数字普惠金融能够缓解老年人口的多维相对贫困,但是数字鸿沟的存在加剧了多维相对贫困,并且数字鸿沟削弱了数字普惠金融对老年人口多维相对贫困的减缓作用。不同维度的分析发现,数字普惠金融能够缓解老年人口在收入、健康、社会保障以及生活环境维度的相对贫困,但是对教育维度的相对贫困影响不显著;数字普惠金融的覆盖广度和使用深度能够显著减缓老年人口多维相对贫困,但数字化程度的影响不显著;数字鸿沟的使用沟对老年人口多维相对贫困的影响最大,并且使用沟的负向调节作用最大,其次是知识沟和接入沟。进一步研究发现,数字基础设施越完善、家庭数字反哺越好以及社会互动越活跃,那么数字鸿沟在数字普惠金融减缓老年人口多维相对贫困中的负向调节作用将越小。In the context of the deepening degree of aging in China,solving the multidimensional relative poverty of the elderly population has a positive impact on the realization of common prosperity in China.Using the data of China Health and Retirement Longitudinal Study and Peking University Digital inclusive finance index,this paper studies the impact of digital inclusive finance and the digital divide on the multidimensional relative poverty of the elderly population.The research shows that digital inclusive finance can alleviate the multidimensional relative poverty of the elderly population,but the existence of the digital divide intensifies the multidimensional relative poverty,and the digital divide weakens the mitigation effect of digital inclusive finance on the multidimensional relative poverty of the elderly population.The analysis of different dimensions shows that digital inclusive finance can alleviate the relative poverty of the elderly in the dimensions of income,health,social security and living environment,but has no significant impact on the relative poverty in the dimension of education;The coverage and depth of digital inclusive finance can significantly alleviate the multidimensional relative poverty of the elderly population,but the impact of the degree of digitalization is not significant;The use gap of the digital divide has the greatest impact on the multidimensional relative poverty of the elderly population,and the use gap has the greatest negative adjustment,followed by the knowledge gap and access gap.Further research found that the more perfect the digital infrastructure,the better the family digital feedback and the more active the social interaction,the smaller the negative regulatory role of the elderly digital divide in the digital Inclusive Finance in alleviating the multidimensional relative poverty of the elderly population.

关 键 词：老龄化 数字普惠金融 老年数字鸿沟 多维相对贫困 数字反哺 

分 类 号：F831.4[经济管理—金融学]