数字普惠金融对城乡居民收入差距的影响——基于江西省的实证  

The Impact of Digital Financial Inclusion on the Income Gap between Urban and Rural Residents——Based on the Empirical Evidence of Jiangxi Province

作　　者：刘小春[1] 林宇璇 李婵[3] LIU Xiaochun;LIN Yuxuan;LI Chan(School of Economics and Management,Jiangxi Agricultural University,Nanchang,Jiangxi 330044,China;School of Law,Nanchang University,Nanchang,Jiangxi 330031,China;School of Modern Economics&Management,Jiangxi University of Finance&Economics,Jiujiang,Jiangxi 332020,China)

机构地区：[1]江西农业大学经济管理学院,江西南昌330044 [2]南昌大学法学院,江西南昌330031 [3]江西财经大学现代经济管理学院,江西九江332020

出　　处：《金融教育研究》2023年第4期30-41,共12页Research of Finance and Education

基　　金：国家社会科学基金项目(19BJY112);江西省社会科学规划基金项目(22YJ28)。

摘　　要：数字普惠金融的发展有利于促进城乡居民收入增长以及城乡收入分配结构优化。利用江西省11个地级市2011—2020年的面板数据建立固定效应模型,采用泰尔指数测算城乡收入差距,探究数字普惠金融如何影响城乡收入差距,并替换核心变量以检验结果的稳健性。采用聚类分析法,依据城镇化率将江西各地级市分为Ⅰ、Ⅱ、Ⅲ三类城市,探究各类城市数字普惠金融水平在缓解城乡收入差距上的作用,分析不同城镇化率城市之间的异质性。结果表明,近年来江西省各地级市的数字普惠金融总体水平不断提升,数字普惠金融发展能有效缓解城乡收入差距,使城乡收入差距普遍缩小。此外,异质性检验结果表明,数字普惠金融发展显著缓减了三类城市的城乡收入差距,在城镇化率越高的地区,表现越显著。因此,要大力发展数字普惠金融,优化金融资源配置;统筹城乡经济发展,实现各地产业转型升级;普及数字普惠金融教育,提高农村居民金融素养;建立健全互联网基础设施,加强网络安全监管。The development of digital inclusive finance has beneficially promoted the income of urban and rural residents and the optimization of urban and rural income distribution structure.By using panel data from 2011 to 2020 in 11 prefecture-level cities in Jiangxi Province,a fixed-effect model was established,and Thiel Index was used to measure the income gap between urban and rural areas;this paper explores how digital financial inclusion affects the urban-rural income gap,and replace core variables to test the robustness of the results.Based on the cluster analysis method,according to the urbanization rate,Jiangxi cities are divided into three categories:I.,II.and III.,this paper explores the role of various cities’digital financial inclusion levels in alleviating the urban-rural income gap,and analyzes the heterogeneity among cities with different urbanization rates.The results show that in recent years,the overall level of digital inclusive finance in various cities in Jiangxi Province has been continuously improved,and the development of digital inclusive finance can effectively alleviate the income gap between urban and rural areas,so that the income gap between urban and rural areas has generally narrowed.In addition,the heterogeneity test results show that the development of digital inclusive finance has significantly alleviated the urban-rural income gap in the three types of cities,and the more significant it is in areas with higher urbanization rates.Therefore,it is proposed to vigorously develop digital inclusive finance and optimize the allocation of financial resources;coordinate the development of urban and rural economies and realize the transformation and upgrading of industries in various places;popularize digital inclusive financial education and improve the financial literacy of rural residents;suggestions such as establishing and improving internet infrastructure and strengthening network security supervision.

关 键 词：数字普惠金融 城乡居民 收入差距 固定效应模型 江西省 

分 类 号：F832.35[经济管理—金融学]