数字普惠金融、多维相对贫困及空间效应  

Digital Inclusive Finance,Multidimensional Relative Poverty and Spatial Effects

作　　者：杨鑫垚 叶家硕 卓震宇 李杰[2] Yang Xinyao;Ye Jiashuo;Zhuo Zhenyu;Li Jie

机构地区：[1]西南交通大学公共管理与政法学院 [2]西南交通大学经济管理学院 [3]西南财经大学中国家庭金融调查与研究中心 [4]北京师范大学经济与资源管理研究院

出　　处：《财经科学》2023年第5期48-61,共14页Finance & Economics

基　　金：国家社会科学基金项目“新时代建设现代化经济体系的理论依据及指标体系构建研究”(18XKS009)的资助。

摘　　要：本文使用中国家庭金融调查(CHFS)2017—2019年数据,建立了多维相对贫困测度指标体系,测算了我国微观家庭层面与宏观地区层面的多维相对贫困发生状况。并使用离散选择模型、调节效应模型宏微观结合地研究了数字普惠金融与多维相对贫困的空间收敛性、空间相关性与数字普惠金融促进多维相对贫困消减的内在机制。研究发现,我国各省级行政区的多维相对贫困发生率存在显著的空间收敛性与空间相关性;数字普惠金融不仅能在微观家庭层面上帮助减贫,还有助于在宏观地区层面上降低多维相对贫困发生率;机制分析的结果显示,数字普惠金融在助力减贫的过程中对公平性问题的处理也相对较好,避免了“精英俘获”现象所导致的减贫效率低下与资源错配;数字普惠金融的多维减贫作用,主要体现在对家庭收入、就业、消费结构、主观感知与信息获取状况的改善。Based on the data from the China Household Finance Survey(CHFS)from 2017 to 2019,this article has established a multidimensional relative poverty measurement index system to calculate the occurrence of multidimensional relative poverty at both the micro household level and macro regional level in China.Moreover,a combination of discrete selection model and moderating effect model has been used to study the spatial convergence and correlation between digital inclusive finance and multidimensional relative poverty,as well as the internal mechanism of digital inclusive finance promoting multidimensional relative poverty reduction.Research has found that there is significant spatial convergence and correlation in the incidence of multidimensional relative poverty in various provincial administrative regions of China.Furthermore,digital inclusive finance can not only help reduce poverty at the micro household level,but also help reduce the incidence of multidimensional relative poverty at the macro regional level.The results of mechanism analysis show that digital inclusive finance also handles fairness issues relatively well in the process of assisting poverty reduction,avoiding low poverty reduction efficiency and resource mismatch caused by the phenomenon of"elite capture".The multidimensional poverty reduction effect of digital inclusive finance is mainly reflected in the improvement of household income,employment,consumption structure,subjective perception,and information access.

关 键 词：数字普惠金融 多维相对贫困 空间收敛性 空间相关性 中国家庭金融调查(CHFS) 

分 类 号：F832.5[经济管理—金融学]