数字金融发展对居民社会资本积累的影响--来自中国家庭追踪调查的证据  

The Impact of Digital Financial Development on the Accumulation of Social Capital among Residents:Evidence from Chinese Family Panel Studies

作　　者：王修华[1] 熊鑫 WANG Xiuhua;XIONG Xin(Hunan University,Changsha,China)

机构地区：[1]湖南大学金融与统计学院,410006

出　　处：《经济学动态》2024年第10期39-57,共19页Economic Perspectives

基　　金：国家社会科学基金重大项目“接续推进脱贫地区乡村振兴的金融支持研究”(21&ZD115)。

摘　　要：突破传统社会结构中的差序格局,增进人民福祉、促进人的全面发展是实现共同富裕积累的关键。本文利用2014-2018年的中国家庭追踪调查数据,从传统型、跨越型和虚拟型社会资本及虚拟型社会资本实体化四个维度系统考察数字金融发展对居民社会资本积累的影响及其差异化效果。研究发现,数字金融通过提升居民的正规金融偏好和信贷可得性,减少了传统型社会资本中的私人借贷,增加了礼金往来和经济帮助行为。数字金融通过拓宽信息渠道、提升金融资产规模和社会信任影响居民的外出务工决策,促进跨越型社会资本的积累。数字金融使社会互动和经济交易的范畴延展至虚拟网络,通过拓宽信息渠道、强化社会信任和推动商业往来等方式促进居民积累虚拟型社会资本,进一步通过“电联互动”和“网聊奔现”机制,显著提升虚拟型社会资本实体化概率。异质性分析表明,随着数字金融的发展,非农就业和家族文化渗透较弱地区的居民显著降低了对非正规借贷的依赖,并通过增加礼金往来和经济互助行为维系传统型社会资本,这些居民在跨越型社会资本和虚拟型社会资本的积累及其实体化方面表现更佳。结论表明,推动数字金融发展有助于打破“差序格局”的圈层隔阂,引导微观社会资本朝着有利于市场经济的方向发展,为政府制定提升居民福利的政策提供依据。Breaking through the limitations of traditional social“differential order pattern”networks and improving people's well-being and comprehensive development are the key channels to achieve common prosperity.Under the background of common prosperity in China,to explore the action mechanism of financial development on residents'social capital accumulation is the due meaning of adhering to the people-centred development thought and promoting common prosperity in high-quality development.Based on the theory of social capital,this paper divides social capital into traditional social capital,cross-regional social capital and virtual social capital according to the social radius and the closeness of ties.Using the data from China Family Panel Studies in 2014,2016 and 2018,this paper systematically examines the impact of digital finance development on residents'social capital accumulation and its differentiated effect from four dimensions:traditional social capital,cross-regional social capital,virtual social capital and the transformation of social capital from virtual to real.The results show that digital finance reduces residents'traditional informal lending by improving credit availability and preference for formal financial financing and promotes the accumulation of traditional social capital by improving interpersonal consumption and economic assistance behaviours among relatives and friends.Digital finance influences residents'migrant work decisions by broadening information channels,enhancing financial capital and social trust,and promoting the accumulation of cross-regional social capital.Digital finance extends the scope of interpersonal interaction and economic transactions to the virtual network,promotes residents to accumulate virtual social capital by broadening information channels,strengthening social trust and facilitating internet-based business transactions,further significantly increasing the transformation of social capital from virtual to real through the mechanisms of“chatting with net-friends

关 键 词：数字金融 社会资本积累 虚拟型社会资本实体化 

分 类 号：C912.3[经济管理] F49[社会学] F832