数字金融对中国城乡收入差距影响研究--基于农村创业视角  

Research on the Impact of Digital Finance on Urban-rural Income Gap:From the Perspective of Rural Entrepreneurship

作　　者：陈蕾[1] 钟金盛 Chen Lei;Zhong Jin-sheng

机构地区：[1]集美大学财经学院,厦门361000

出　　处：《亚太经济》2023年第5期121-129,共9页Asia-Pacific Economic Review

基　　金：教育部人文社会科学一般项目“家庭负债冲击、杠杆率阈值与宏观经济效应研究”(17JYA790012)。

摘　　要：缩小城乡收入差距是实现共同富裕的关键。基于农村创业视角,从理论层次上分析数字金融缩小城乡收入差距的降斥效应和增收效应,从实证结果看,数字金融通过促进农村创业而缩小城乡收入差距。进一步分析发现,不同地区农村创业水平的中介效应不同,中部地区效果大于东部地区,西部地区不存在中介效应;农村创业水平较高区域,数字金融对缩小城乡收入差距效果更大。中国要加快数字金融基础设施建设,扩大数字金融发展覆盖区域,分地区多举措加大数字金融对农村地区支持力度,鼓励创新创业,从而缩小城乡收入差距。Narrowing the income gap between urban and rural areas is an important key point for achieving com mon prosperity.Based on the perspective of rural entrepreneurship,this paper theoretically analyzes the effect of digital finance to reduce the repulsion effect and increase income to narrow the income gap between urban and rural areas.Judging from the empirical results,digital finance has narrowed the income gap between urban and rural areas by pro moting rural entrepreneurship.Further analysis found that the effect of the intermediary effect of rural entrepreneurship in different regions is different,the effect in the central region is greater;digital finance has a greater effect on narrow ing urban and rural income gapin areas with higher level of rural entrepreneurship.Based on the above conclusions,this paper proposes to accelerate the digital financial infrastructure,expand the coverage area of digital financial devel opment,increase the support of digital finance for rural areas by regions and multiple initiatives,encourage innovation and entrepreneurship,and narrow the income gap between urban and rural areas.

关 键 词：数字金融 农村创业 城乡收入差距 农村居民贷款 中国 

分 类 号：F832[经济管理—金融学] F124.7