数字金融、数字鸿沟与城乡收入差距——基于数字金融与传统金融的交互效应  

Digital Finance,Digital Divide and Urban-Rural Income Gap—Based on the Interactive Effects of Digital Finance and Traditional Finance

作　　者：肖雁飞[1] 尹梦丽 XIAO Yanfei;YIN Mengli(School of Business,Hunan University of Science and Technology,Xiangtan,Hunan Province 411201)

机构地区：[1]湖南科技大学商学院,湖南湘潭411201

出　　处：《商学研究》2024年第5期119-128,共10页Commercial Science Research

基　　金：国家社会科学基金一般项目“数字时代中西部地区承接产业转移促进共同富裕的机制与路径研究”(23BJL095)。

摘　　要：数字金融具有城乡收入差距收敛效应,但伴生的数字鸿沟问题会产生反向影响。基于数字金融与传统金融交互视角,本文运用双向固定效应、交互效应及门槛效应模型研究数字金融及数字鸿沟对城乡收入差距的影响,结果表明:数字鸿沟会弱化甚至异化数字金融的城乡收入差距收敛效应,使两者关系表现为正U形特征,且主要体现在覆盖广度影响,使用深度、数字化程度则扩大城乡收入差距;东部地区正处于数字金融缩小城乡收入差距区间,而中西部地区则表现为数字金融拉大城乡收入差距阶段;传统金融强化了数字金融对城乡收入差距的U形关系,但会受到数字鸿沟影响,当数字鸿沟超过4.800门槛时,正向协同效应会反转为负向抑制影响。因此,加快数字金融广度及深度发展、推进传统金融数字化转型、紧抓农村数字化教育、解决数字鸿沟问题是政策实施的重点。Digital finance has the convergence effect of urban-rural income gap,but the accompanying digital divide will have the opposite effect.Based on the perspective of the interaction between digital finance and traditional finance,this paper uses two-way fixed effect,interactive effect and threshold effect models to analyze the impact of digital finance and digital divide on urban-rural income gap.The results show that the digital divide weakens or even dissimilates the convergence effect of the urban-rural income gap of digital finance,and the relationship between the two shows a positive U-shaped feature,which is mainly reflected in the coverage breadth,while the depth of use and the degree of digitization will expand the urban-rural income gap.The eastern region is in the range of digital finance to narrow the urban-rural income gap,while the central and western regions are in the stage of digital finance to widen the urban-rural income gap.Traditional finance strengthens the U-shaped relationship of digital finance on the urban-rural income gap,but it will be affected by the digital divide.When the digital divide exceeds the threshold of 4.800,the positive synergy effect will turn into a negative inhibition effect.Therefore,accelerating the breadth and depth of digital finance development,promoting the digital transformation of traditional finance,implementing rural digital education,and solving the digital divide are the focus of policy implementation.

关 键 词：数字金融 城乡收入差距 数字鸿沟 传统金融 

分 类 号：F126[经济管理—世界经济] F49F832