数字金融发展缓解了家庭金融排斥吗? 基于中国家庭金融调查(CHFS)数据的分析  

Does Digital Finance Ease Household Financial Exclusion?Evidence from China Household Finance Survey(CHFS)Data

作　　者：李晓[1] 李洁[2] 吴雨 LI Xiao;LI Jie;WU Yu(Sichuan University,Chengdu 610065;South Western University of Finance and Economics,Chengdu 611130;Nanjing Agricultural University,Nanjing 210095)

机构地区：[1]四川大学,四川成都610065 [2]西南财经大学,四川成都611130 [3]南京农业大学,江苏南京210095

出　　处：《财贸研究》2024年第4期15-27,共13页Finance and Trade Research

基　　金：国家自然科学基金青年项目“数字金融发展对家庭信贷排斥的影响研究”(71903160);高等学校学科创新引智计划资助项目(B16040)。

摘　　要：借助中国家庭金融调查(CHFS)2013、2015、2017、2019年四轮调查数据,探讨数字金融发展对中国家庭金融排斥的影响。研究发现:无论从静态还是动态来看,数字金融发展都显著降低了家庭金融排斥;从排斥类型看,数字金融发展对家庭资产端和借贷端金融排斥均具有显著的缓解作用,并且对家庭资产端的影响更大。进一步,从不同的家庭类型来看,数字金融发展对农村、中西部、三四线城市以及银行业等传统金融相对落后地区家庭金融排斥的缓解作用更明显。Based on four rounds of survey data from China Household Finance Survey(CHFS)in 2013,2015,2017 and 2019,this paper explores the impact of the development of digital finance on the financial exclusion of Chinese households.Research shows that the development of digital finance significantly reduced family financial exclusion from both static and dynamic perspectives.From the perspective of exclusion types,the development of digital finance has a significant easing effect on the financial exclusion at both the household asset end and the loan end,and has a greater impact on the household asset end.Furthermore,from the perspective of different family types,the development of digital finance has a more obvious effect on alleviating family financial exclusion in rural areas,central and western regions,third-tier and fourth-tier cities,and areas where traditional finance is relatively backward,such as banking.

关 键 词：数字金融发展 普惠金融 金融排斥 

分 类 号：F832[经济管理—金融学]