数字普惠金融、教育扩展与城乡收入不平等——基于2011-2020年省级面板数据的实证研究  

Digital Inclusive Finance,Education Expansion and Income Inequality of Urban and Rural——An Empirical Study Based on Provincial Panel Data from 2011 to 2020

作　　者：袁婧怡 YUAN Jingyi

机构地区：[1]华中师范大学经济与工商管理学院,湖北武汉430079

出　　处：《吉林金融研究》2023年第12期14-19,共6页Journal of Jilin Financial Research

摘　　要：长期以来,城乡二元结构的持续存在致使我国城乡之间的金融资源难以达到平衡点,且教育的不平等加剧了我国的城乡居民收入的分配差距。本文选取2011年-2020年的省级面板数据,对数字普惠金融指数、平均受教育年限、泰尔指数等指标进行收集与计算,选用固定效应模型进行回归分析。多角度实证研究表明:我国的数字普惠金融为低收入居民增强了金融服务可得性,教育扩展对城乡收入不平等的影响呈“倒U型”趋势,二者交互作用,能够收敛城乡收入差距。For a long time,the persistence of urban-rural dichotomy has made it difficult to reach the balance point of financial resources between urban and rural areas in China,while the inequality of education has exacerbated the income distribution gap between urban and rural residents in China.This paper selects the provincial panel data from 2011 to 2020,collects and calculates the digital financial inclusion index,average years of education,theil index and other indicators,and chooses the fixed-effects model for regression analysis.The multi-dimensional empirical research shows that:China's digital financial inclusion has enhanced the availability of financial services for the low-income residents,and the impact of education expansion on urban-rural income inequality shows an The"inverted U-shaped"trend,and the interaction between the two can converge the urban-rural income gap.

关 键 词：数字普惠金融 教育扩展 城乡收入差距 面板数据 固定效应模型 

分 类 号：F830[经济管理—金融学]