数字普惠金融与城乡经济水平差异关系研究——基于dmsp/virrs灯光数据的考察  

A study on the relationship between Digital inclusive Finance and economic level difference between urban and rural areas——Based on dmsp/virrs light data

作　　者：满粟萌 罗健 牛飞亮 Man Sumeng;Luo Jian;Niu Feiiang(Kashi University School of Mathematics and Statistics,Kashi Xinjiang 844000)

机构地区：[1]喀什大学数学与统计学院,新疆喀什844000

出　　处：《北方经贸》2023年第12期41-44,56,共5页Northern Economy and Trade

基　　金：国家社科规划项目(21BJL135);新疆维吾尔自治区天池学者百人计划项目(022022012)。

摘　　要：本文选取我国30个省2011年至2020年的dmsp/virrs灯光数据,以dagum基尼系数衡量城乡经济发展水平差距。通过Arc GIS软件分析发现:截至2020年,东北地区与西部地区省市的收入差距较大,沿海东部地区城乡收入差距较小。建立PVAR模型发现:数字普惠金融对缩小城乡收入差距起促进效果,并且通过长期分析发现,城乡经济差距也会阻碍数字普惠金融发展,两者互为格兰杰因果。据此提出几点建议:扩大普惠金融覆盖面、增加数字普惠产品使用率,提供多样化产品,加强数字普惠基础互联网设施建设。Based on the dmsp/virrs lighting data of 30 provinces from 2011 to 2020,this paper measures the gap between urban and rural economic development levels with dagum Gini coefficient.Through the analysis of ArcGIS software,it is found that by 2020,the provinces and cities with large income gap are mainly concentrated in the northeast and western regions,while the urban-rural income gap in the eastern coastal areas is small.Using PVAR model,it is found that digital inclusive finance has a promoting effect on narrowing the urban-rural income gap,and through long-term analysis,it is found that the urban-rural economic gap will also hinder the development of digital inclusive economy,both of which are Granger causality.And put forward several suggestions for regions with weak development of digital inclusive finance:expand the coverage of inclusive finance,increase the use rate of digital inclusive products,provide diversified products,and enhance the construction of digital inclusive infrastructure Internet facilities.

关 键 词：数字普惠金融 dagum基尼系数 PVAR dmsp/virrs 

分 类 号：F830[经济管理—金融学]