金融科技发展与城乡共同富裕  

Fintech and Urban-rural Common Prosperity

作　　者：贺唯唯 张亚斌[2] He Weiwei;Zhang Yabin(Hunan University of Finance and Economics;School of Economics and Trade,Hunan University)

机构地区：[1]湖南财政经济学院经济学院,410205 [2]湖南大学经济与贸易学院,410079

出　　处：《经济评论》2024年第6期19-35,共17页Economic Review

基　　金：国家社会科学基金重大项目“全球价值链背景下中美新型大国贸易关系与贸易利益研究”(18ZDA068);湖南省社会科学基金基地项目“经济开放的共同富裕效应及对策研究”(21JD005)的资助。

摘　　要：加快金融科技发展,是优化金融要素配置、促进共同富裕的重要抓手。本文以2011—2019年中国地级及以上城市为样本,实证检验了金融科技发展影响城乡共同富裕的效应及其作用机制。研究表明:金融科技水平提高将促进城乡共同富裕,且在地理位置、信息化水平、富裕程度维度均呈现异质性特征。机制分析结果显示,金融市场化和普惠金融是金融科技发展影响城乡共同富裕的作用机制。基于区域、城乡、机会公平三重视角的扩展研究结果表明,金融科技发展不仅能够有效驱动区域均衡增长和城乡均衡发展,并且促进了机会公平,“科技红利”得以有效释放。本文有助于系统揭示金融科技发展对城乡共同富裕的影响,为深化金融科技创新、优化金融要素配置、促进共同富裕提供启示。Accelerating the development of financial technology is an important starting point for optimizing the allocation of financial factors and promoting common prosperity. Taking Chinese cities at the prefecture level and above from 2011 to 2019 as samples, this paper empirically tested the effect of fintech development on the urban-rural common prosperity and its mechanism by using manually searched urban and rural panel data. The research shows that the improvement of the fintech level will promote the urban-rural common prosperity, and the dimensions of geographical location, informatization level, and wealth level show heterogeneity. The mechanism analysis results show that financial marketization and inclusive finance are the mechanisms by which the fintech development affects the urban-rural common prosperity. The expanded research results based on the triple perspectives of regional, urban-rural, and opportunity equity show that the development of fintech can not only effectively drive balanced regional growth and urban-rural development, but also promote opportunity equity, and the “science and technology dividend” can be effectively released. This paper helps to systematically reveal the impact of fintech development on the urban-rural common prosperity and provides theoretical basis and policy inspiration for deepening fintech innovation, optimizing the allocation of financial factors, and promoting common prosperity.

关 键 词：金融科技 城乡共同富裕 金融市场化 普惠金融 

分 类 号：F832[经济管理—金融学] F126