数字普惠金融与共同富裕的实现——基于总体富裕与共享富裕的视角  

Digital Financial Inclusion and the Realization of Common Prosperity——Based on the Perspectives of Total Prosperity and Shared Prosperity

作　　者：田瑶 赵青 郭立宏[1] TIAN Yao;ZHAO Qing;GUO Li-hong(School of Economics and Management,Northwestern University,Xi'an710127;School of Economics and Management,University of Posts&Telecommunications,Xi'an 710121,China)

机构地区：[1]西北大学经济管理学院,陕西西安710127 [2]西安邮电大学经济与管理学院,陕西西安710121

出　　处：《山西财经大学学报》2022年第9期1-17,共17页Journal of Shanxi University of Finance and Economics

基　　金：陕西省社会科学基金项目(2021D060);陕西省软科学研究计划(2020KRM070)。

摘　　要：基于数字普惠金融指数与CLDS数据,考察了数字普惠金融对共同富裕的影响。研究发现:数字普惠金融对地区经济发展具有促进作用,并且能够缓解居民所面临的机会不均和收入差距,从而在一定程度上推进总体富裕和共享富裕,加快实现共同富裕;异质性分析结果表明,上述结果在物质资本充盈的地区更为显著,也存在区域异质性,另外互联网的使用会加深数字金融对机会不平等和收入不均的抑制作用;机制分析发现,数字普惠金融可通过提高资源配置效率促进经济发展,也会通过提高金融产品的持有概率和增加信贷可得性缩小收入差距。Based on the digital financial inclusion index and CLDS data, this paper examined the impact of digital financial inclusion on common prosperity. The study found that digital financial inclusion can promote regional economic development, and alleviate the problems of opportunity inequality and income gap, which can then promote total prosperity and shared prosperity to some extent, so as to accelerate the realization of common prosperity. Heterogeneity test showed that, this conclusion was more significant in the regions with abundant physical capital, but there was regional heterogeneity. In addition, the application of internet can strengthen the inhibiting effect of digital finance on opportunity inequality and income gap. Mechanism analysis found that digital financial inclusion can promote economic development by improving the efficiency of resource allocation, and narrow income gap by boosting the holding probability of financial products and increasing credit availability.

关 键 词：数字普惠金融 共同富裕 总体富裕 共享富裕 互联网 

分 类 号：F49[经济管理—产业经济] F832F126