数字普惠金融与农村居民的社会公平感  

Digital Financial Inclusion and Rural Residents’Perception of Social Fairness

作　　者：谭晓艳 张泽宇 TAN Xiaoyan;ZHANG Zeyu

机构地区：[1]华中农业大学经济管理学院/宏观农业研究院,湖北武汉430070

出　　处：《华中农业大学学报(社会科学版)》2025年第1期94-107,共14页Journal of Huazhong Agricultural University(Social Sciences Edition)

基　　金：国家社会科学基金重大项目“乡村振兴战略下农民收入稳定性监测与增收长效机制研究”(23&ZD116)。

摘　　要：提高公民的社会公平感对于维护国家秩序、构建和谐社会至关重要。在数字普惠金融助推乡村振兴的背景下,为了揭示数字普惠金融是否会让农村居民感到更加公平,基于北京大学的数字普惠金融指数与中国综合社会调查数据,考察了数字普惠金融对农村居民社会公平感的影响及作用机制。研究发现,数字普惠金融的发展显著提升了农村居民的社会公平感。机制分析表明,数字普惠金融通过提高个人横向和纵向相对评价来正向影响农村居民的社会公平感,个人绝对收入水平不构成数字普惠金融影响农村居民社会公平感的路径。进一步发现,数字普惠金融对农村居民社会公平感的影响存在个人绝对收入的双重门槛效应。据此建议进一步完善数字普惠金融服务体系,重视地区间的平衡性、协调性。Enhancing citizens’sense of social equity is of vital importance for maintaining national order and building a harmonious society.Against the backdrop of digital inclusive finance promoting rural revitalization,it is necessary to explore whether digital inclusive finance makes rural residents feel more equitable.Based on the Digital Financial Inclusion Index from Peking University and data from China General Social Survey,this article uses the generalized ordered logit model to explore the impact and mechanism of digital financial inclusion on rural residents’perception of social fairness.The results show that digital financial inclusion has a significant positive impact on rural residents’perception of social fairness.Mechanism analysis shows that digital financial inclusion positively affects rural residents’perception of social fairness by improving their horizontal and vertical relative income evaluations,while individual absolute income levels do not serve as a pathway through which digital financial inclusion influences rural residents’perception of social fairness.Further research has found that there is a dual threshold effect of individual absolute income on the impact of digital financial inclusion on perceived social fairness among rural residents.Based on these findings,the paper recommends further improving the digital financial inclusion service system and focusing on balance and coordination between regions.

关 键 词：社会公平感 数字普惠金融 广义有序Logit模型 结构决定论 局部比较论 

分 类 号：C912.6[经济管理]