数字普惠金融能促进基本养老保险发展吗?——基于我国省级面板数据的实证研究  

Can Digital Inclusive Finance Promote the Development of Basic Pension Insurance:Empirical Research Based on Provincial Panel Data in China

作　　者：刘妍[1] 张乐凡 朱远芯 LIU Yan;ZHANG Lefan;ZHU Yuanxin

机构地区：[1]南京审计大学金融学院 [2]江苏省金融大数据审计信息工程研究中心

出　　处：《现代城市研究》2024年第3期116-123,共8页Modern Urban Research

基　　金：国家社科基金一般项目《“后脱贫时代”返贫风险评估与保险反贫困的长效机制研究》(19BJY171)系列研究成果之一。

摘　　要：文章借助2011—2021年全国31个省(自治区、直辖市)的面板数据,运用中介效应模型实证分析数字普惠金融对基本养老保险发展的影响及作用机制。研究发现,数字普惠金融能够显著促进基本养老保险的发展,内生性处理和稳健性检验均得到一致结论。异质性分析表明:“覆盖广度”是促进基本养老保险发展的关键因素;相较于城镇职工,养老保险“使用深度”对城乡居民养老保险的影响更大;“数字化程度”则对基本养老保险的发展存在负面影响。进一步的研究表明,数字普惠金融通过提高居民收入水平和保险金给付效率,分别从需求端和供给端促进基本养老保险发展。文章结论旨在为拓宽数字普惠金融研究思路、推动我国基本养老保险发展提供参考。Based on the panel data of 31 provinces(autonomous regions,municipalities directly under the Central Government)from 2011-2021,this paper empirically analyzes the impact of digital inclusive finance on the development of basic pension insurance and its mechanism by using the intermediary effect model.Research has found that digital inclusive finance can significantly promote the development of basic pension insurance,and both endogeneity processing and robustness testing have reached consistent conclusions.Heterogeneity analysis indicates that"coverage breadth"is a key factor in promoting the development of basic pension insurance;Compared with urban workers,the"depth of use"of pension insurance has a greater impact on urban and rural residents'pension insurance.The degree of digitization has a negative impact on the development of basic pension insurance.Further research has shown that digital inclusive finance promotes the development of basic pension insurance from the demand and supply sides by improving residents'income levels and the efficiency of insurance payment.The conclusion of the article is expected to provide reference for expanding research ideas on digital inclusive finance and promoting the development of basic pension insurance in China.

关 键 词：数字普惠金融 养老保险 收入水平 保险金给付 

分 类 号：F842.67[经济管理—保险]