数字普惠金融、居民收入变化与社会阶层流动  

Digital Inclusive Finance,Changes in Household Income and Social Class Mobility

作　　者：刘林[1] 赵怡阳 Liu Lin;Zhao Yiyang(School of Economics and Management,Shihezi University,Shihezi Xinjiang 832000,China)

机构地区：[1]石河子大学经济与管理学院,新疆石河子832000

出　　处：《统计与决策》2024年第23期143-149,共7页Statistics & Decision

基　　金：国家自然科学基金资助项目(71963029,72363030)。

摘　　要：文章采用北京大学数字普惠金融指数和中国家庭追踪调查(CFPS)的匹配数据,运用多元有序Log-it模型检验数字普惠金融发展过程中家庭收入变化对社会阶层流动的影响。研究结果表明,与传统普惠金融相比,数字普惠金融推动低收入家庭社会阶层向上流动的作用更大,且主要流向了中等收入阶层,这一影响对高受教育水平、城市及东中部地区的低收入家庭社会阶层向上流动的正向影响更明显。进一步研究发现,普及数字设备和提升金融能力对数字普惠金融推动低收入家庭社会阶层向上流动产生正向调节效应,推动稳定就业和促进社会互动是数字普惠金融推动低收入家庭社会阶层向上流动的重要机制。Using the matching data of Peking University Digital Inclusive Finance Index and China Family Panel Studies(CFPS),this paper uses the multivariate ordered Logit model to examine the impact of changes in household income on social class mobility during the development process of digital inclusive finance.The research results show that compared with traditional inclusive finance,the role of digital inclusive finance in promoting upward social mobility of low-income households is greater,and that the upward social mobility mainly flows to the middle-income class,and that this impact has a more significant positive impact on the upward social mobility of low-income households from highly educated,urban and eastern and central regions.Further research finds that popularizing digital equipment and improving financial capacity have a positive moderating effect on digital inclusive finance to promote the upward social mobility of low-income households,and that promoting stable employment and social interaction are important mechanisms for digital inclusive finance to promote the upward social mobility of low-income households.

关 键 词：数字普惠金融 收入流动性 社会阶层流动 中等收入群体 

分 类 号：F124.7[经济管理—世界经济]