数字普惠金融对长期多维相对贫困的影响与机制研究  

A Study on the Impact and Mechanisms of Digital Inclusive Finance on Long-term Multidimensional Relative Poverty

作　　者：贺慧惠 童天天 He Huihui;Tong Tiantian

机构地区：[1]武汉华夏理工学院商学院 [2]中南财经政法大学金融学院

出　　处：《宏观经济研究》2023年第9期33-53,共21页Macroeconomics

摘　　要：2020年中国完成了全面消除绝对贫困的艰巨任务,进一步巩固脱贫攻坚成果、解决相对贫困是实现全体人民共同富裕的关键。为验证数字普惠金融对相对贫困的缓减作用,本文通过构建长期多维相对贫困指数,探究数字普惠金融发展对长期多维相对贫困的影响及作用机制。研究发现:(1)数字普惠金融显著缓减长期多维相对贫困,其效果具有普惠性,对农村居民、老年群体、低收入、低受教育水平等弱势群体的长期多维减贫效果更显著;(2)随着长期多维相对贫困被剥夺程度和相对贫困持续时间的提高,数字普惠金融多维减贫效果逐渐减弱;(3)收入不平等、居民创业是数字普惠金融缓减长期多维相对贫困的重要作用机制,通过缓减收入不平等、促进居民创业间接减少长期多维相对贫困的发生。据此,本文建议应进一步促进数字普惠金融发展,以缓减后富群体的长期多维相对贫困问题。China completed the arduous task of fully eliminating absolute poverty in 2020,and further consolidating the results of poverty alleviation and addressing relative poverty is the key to achieving common prosperity for all people.To verify the mitigating effect of digital inclusive finance on relative poverty,this article explores the impact of digital inclusive finance development on long-term multidimensional relative poverty and its mechanism of action by constructing a long-term multidimensional relative poverty index.It is found that:(1)Digital inclusive finance significantly alleviates long-term multidimensional relative poverty,and its effect is universal,with more significant long-term multidimensional poverty reduction effects on disadvantaged groups such as rural residents,elderly groups,lowincome and low-education levels;(2)As the deprivation level of long-term multidimensional relative poverty and the duration of relative poverty increase,the effect of digital inclusive finance on multidimensional poverty reduction gradually decreases;(3)Income inequality and entrepreneurship are important mechanisms for digital inclusive finance to reduce long-term multidimensional relative poverty,and indirectly reduce the occurrence of long-term multidimensional relative poverty by reducing income inequality and promoting resident entrepreneurship.Accordingly,this article suggests that the development of digital inclusive finance should be further promoted to alleviate the long-term mulidimensional relative poverty of the later wealthy groups.

关 键 词：数字普惠金融 相对贫困 长期多维相对贫困指数 收入不平等 

分 类 号：F49[经济管理—产业经济] F832F323.8