共同富裕特征视域下数字普惠金融对城乡融合发展的影响及门槛效应  

The Impact and Threshold Effect of Digital Inclusive Finance on Urban-rural Integration Development from the Perspective of Common Prosperity for All

作　　者：王志锋[1] 吕京根 Wang Zhifeng;Lv jinggen

机构地区：[1]中央财经大学管理科学与工程学院,北京102206

出　　处：《经济问题探索》2023年第11期142-158,共17页Inquiry Into Economic Issues

基　　金：国家社会科学基金项目“新发展阶段下以人为本推进城乡融合发展研究”(22BJL081);项目负责人:王志锋。

摘　　要：缩小城乡发展差距和居民生活水平差距是城乡融合发展的重要目标,也是扎实推进共同富裕的特征表现。党的二十大报告提出“着力推进城乡融合和区域协调发展”,这对畅通城乡经济循环,实现城乡和区域资源优势互补具有重要意义。数字普惠金融的迅猛发展正好为促进城乡要素自由流动、缩小城乡差距,破解城乡融合发展难题开辟了新路径、注入新动能。本文从数字普惠金融角度入手,从理论机制和实证检验两个层面分析数字普惠金融能否以及如何促进城乡融合发展。面板回归和门槛检验的结果表明:数字普惠金融是促进城乡融合发展的重要路径,对城乡融合发展程度提高具有较强影响;当以数字普惠金融发展水平作为门槛变量时,从全国层面来看,随着数字普惠金融发展水平由弱变强,其对城乡融合发展呈现先抑制、后促进的U型门槛特征,且在东部和中西部地区呈现出较强的空间异质性。Narrowing the gap between urban and rural development and residents'living standards is a vital goal of urban-rural integration development as well as a characteristic manifestation of the solid promotion common prosperity.The report to the 20th National Congress of the Communist Party of China put forward“promote integrated urban-rural development and coordinated regional development”,which is of great significance to lift barriers on the flow of production factors between urban and rural areas and realize the complementary advantages of urban-rural and regional resources.The rapid development of digital inclusive finance has opened a new path and injected new momentum to promote the free flow of urban-rural factors,narrow the urban-rural gap,and solve the difficult problem of urban-rural integration and development.Starting from the perspective of digital inclusive finance,this paper analyses whether and how digital inclusive finance can promote the development of urban-rural integration from both theoretical mechanisms and empirical tests.The results of panel regression and threshold tests show that:digital inclusive finance is an critical path to promote urban-rural integration development,and has a strong positive influence on it;taken the development level of digital inclusive finance as the threshold variable,from the national level,as the level of digital inclusive finance development changes from weak to strong,it shows a U-shaped threshold characteristic of first inhibiting and then promoting urban-rural integration development,and shows strong spatial heterogeneity in the eastern and central-western regions.

关 键 词：共同富裕 数字普惠金融 城乡融合发展 门槛效应 

分 类 号：F061.5[经济管理—政治经济学]