分好蛋糕:数字金融如何促进收入平等  

Dividing the Pie:How Can Digital Finance Promote Income Equality

作　　者：吕勇斌[1] 郭懿晨 LV Yongbin;GUO Yichen(School of Finance,Zhongnan University of Economics and Law,Wuhan 430073,China)

机构地区：[1]中南财经政法大学金融学院,湖北武汉430073

出　　处：《中南财经政法大学学报》2023年第4期81-93,共13页Journal of Zhongnan University of Economics and Law

基　　金：高等学校学科创新引智基地“数字技术与现代金融学科创新引智基地”(B21038);国家社会科学基金重大项目“推进共同富裕的金融理论逻辑与有效机制研究”(22&ZD115)。

摘　　要：从宏观分析和微观数据相结合的视角,匹配2013年、2015年、2017年、2019年四期中国家庭金融调查数据和北京大学数字普惠金融指数以及157个城市级的经济数据,依据家庭微观数据计算得到城市级的收入不平等指标,应用熵值法构建共同富裕指标,多维度验证数字金融与收入公平、共同富裕之间的因果关联。研究发现,数字金融能显著降低收入不平等程度、促进共同富裕。其中,弥合数字鸿沟、提高正规信贷获得和增加居民就业是重要的作用机制。采取稳健性检验和工具变量法也证明了基本结论的可靠性。本研究为优化收入分配、促进共同富裕实现及制定数字金融发展的相关政策提供理论参考。By combining the macro perspective and micro data,this paper matches the China Household Finance Survey data and the Peking University Digital Inclusive Finance index,city-level income inequality indicators calculated based on household microdata,and uses entropy method to construct the common prosperity index,so as to verify the relationship between digital finance,income equality and common prosperity.This paper finds digital finance can reduce income inequality and promote common prosperity.Furthermore,bridging the digital divide,improving access to formal credit and promoting residents'employment are important mechanisms.Robustness test and instrumental variable method are also adopted to prove the reliability of the conclusion.The paper provides a theoretical reference for the formulation and improvement of policies related to the optimization of income distribution,the realization of common prosperity and the development of digital finance.

关 键 词：数字金融 收入公平 数字鸿沟 共同富裕 熵值法 

分 类 号：F832[经济管理—金融学]