数字普惠金融对收入机会不平等的门限研究——基于门限分位数回归模型的分析  

Threshold Study of Digital Financial Inclusion on Income of Opportunity Inequality

作　　者：蔡超[1] 任思慧 CAI Chao;REN Si-hui(Shandong Technology and Business University,Yantai 264005,China)

机构地区：[1]山东工商学院统计学院,山东烟台264005

出　　处：《山东工商学院学报》2024年第4期51-60,共10页Journal of Shandong Technology and Business University

基　　金：国家社会科学基金项目“共同富裕目标下中国家庭财富不平等统计监测与政策调控研究”(22BTJ038)。

摘　　要：利用2021年中国综合社会调查数据构造地级市收入机会不平等指数,结合北京大学数字普惠金融指数,搜集地级市的宏观经济数据,采用门限分位数回归模型研究数字普惠金融对收入机会不平等的门限效应和异质性影响。研究结果表明:第一,数字普惠金融发展显著降低收入机会不平等,但在收入机会不平等程度不同的地区数字普惠金融的影响存在差异;第二,数字普惠金融与收入机会不平等之间存在显著的门限效应,在收入机会不平等程度较低的地区,数字普惠金融低于门限值时,数字普惠金融对收入机会不平等的抑制作用较强,但高于门限值时,数字普惠金融对收入机会不平等的抑制作用减弱。Reducing income of opportunity inequality and promoting social justice is an inevitable choice for realizing common prosperity.In this paper,using the 2021 China General Social Survey data to construct an income of opportunity inequality index for prefecture-level cities,combining it with Peking University's digital financial inclusion index,collecting macroeconomic data for prefecture-level cities,we use the threshold quartile regression model to study the threshold effect and heterogeneity effect of digital financial inclusion on income of opportunity inequality.The results of the study show that:firstly,digital financial inclusion development significantly reduces income of opportunity inequality,but the impact of digital financial inclusion varies across regions with different levels of income of opportunity inequality.Secondly,there is significant threshold effect between digital financial inclusion and income of opportunity inequality.In regions with low levels of income of opportunity inequality,the dampening effect of digital inclusion on income of opportunity inequality is stronger when it is below the threshold value,but weaker when it is above the threshold value.

关 键 词：数字普惠金融 收入机会不平等 门限效应 

分 类 号：F832[经济管理—金融学] F124.7