数字普惠金融对多维相对贫困的影响研究——基于老龄化的视角  

Research on the Impact of Digital Inclusive Finance on Multidimensional Relative Poverty:From the Perspective of Aging

作　　者：陈平[1] 王书华[1] 王小腾 CHEN Ping;WANG Shu-hua;WANG Xiao-teng(School of Finance,Shanxi University of Finance and Economics,Taiyuan 030006,China)

机构地区：[1]山西财经大学金融学院,山西太原030006

出　　处：《经济问题》2022年第11期36-43,共8页On Economic Problems

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);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)。

摘　　要：老龄化背景下老年人口的多维相对贫困是社会关注的热点,数字经济时代数字普惠金融能否助力减缓老年人口多维相对贫困值得探究。利用中国健康与养老追踪调查和北京大学数字普惠金融指数的数据,实证分析数字普惠金融能否减缓老年人口的多维相对贫困。研究发现,数字普惠金融能够减缓老年人口的多维相对贫困,减贫效应存在个体、家庭以及区域之间的差异。数字普惠金融通过缓解信贷约束、提升投资理财参与度和缩小收入差距三个渠道缓解老年人口的多维相对贫困。鉴于此,应持续推进数字普惠金融发展、建设老龄友好型数字社会、加强老年家庭数字金融反哺和提升老年人口数字金融素养。Under the background of aging population,the multidimensional relative poverty of the elderly is a hot spot of social concern. It is worth exploring that whether digital inclusive finance can help alleviate the multidimensional relative poverty of the elderly or not in the era of digital economy. Using China Health and Retirement Longitudinal Study and the digital inclusive finance index of Peking University, this paper empirically analyze whether digital inclusive finance can alleviate the multidimensional relative poverty of the elderly. The research finds that digital inclusive finance can alleviate the multidimensional relative poverty of the elderly, and the poverty reduction effect varies among individuals, families and regions. Digital Inclusive Finance alleviates the multidimensional relative poverty of the elderly through three channels: easing credit constraints, improving investment and financial management participation, and narrowing the income gap. In view of this, we should continue to promote the development of digital inclusive finance, build an age-friendly digital society, strengthen the digital financial feedback of elderly families, and improve digital financial literacy of the elderly.

关 键 词：数字普惠金融 多维相对贫困 老年人口 

分 类 号：F832[经济管理—金融学]