数字普惠金融对城乡居民收入差距的影响——基于农村人力资本投资的调节效应分析  

Impact of Digital Inclusive Finance on Income Gap Between Urban and Rural Residents:Analysis of Moderating Effect Based on Rural Human Capital Investment

作　　者：李琼 王世浩 Li Qiong;Wang Shihao(School of Economics and Management,Hubei University of Technology,Wuhan,Hubei,430068)

机构地区：[1]湖北工业大学经济与管理学院,湖北武汉430068

出　　处：《中国商论》2024年第6期104-108,共5页China Journal of Commerce

摘　　要：本文选取我国31个省级行政区2011—2021年的面板数据,通过构建面板固定效应模型,探究数字普惠金融对城乡居民收入差距的作用机制,以及农村人力资本投资在其中发挥的作用。本文不仅研究了总的效应,还从数字普惠金融的三个分维度展开分析。研究表明:(1)数字普惠金融的发展总体上收敛了城乡居民收入差距;(2)覆盖广度、使用深度都显著缩小了城乡居民收入差距,而数字化程度扩大了这一差距;(3)农村人力资本投资在其中发挥正向调节作用,且将解释变量更换为数字普惠金融覆盖广度、使用深度后这一结论依然成立。This paper selects the panel data of China’s 31 provincial-level administrative regions from 2011 to 2021,and studies the impact mechanism of digital inclusive finance on the income gap between urban and rural residents as well as the role of rural human capital investment in it by constructing a panel fixed eect model.It not only researches the overall eects but also delves into an analysis of digital inclusive finance from three sub-dimensions.The results show that:(1)The development of digital inclusive finance has generally narrowed the income gap between urban and rural residents.(2)Both the scope of coverage and depth of use have signicantly reduced the income gap between urban and rural residents,while the level of digitization has widened this gap.(3)Rural human capital investment plays a positive moderating role in this,and when the explanatory variables are changed to the coverage breadth and usage depth of digital inclusive finance,this conclusion still holds true.

关 键 词：数字普惠金融 城乡收入差距 人力资本 城乡发展不平衡 金融服务 

分 类 号：F832.2[经济管理—金融学]