民族地区数字普惠金融与多维相对贫困:内在机制与实证检验  

Digital Inclusive Finance and Multidimensional Relative Poverty in Ethnic Regions:Mechanism and Empirical Test

作　　者：程静 刘亚凝 Cheng Jing;Liu Yaning(School of Humanities and Social Sciences,Jiangsu University of Science and Technology,Zhenjiang,Jiangsu 212100,China)

机构地区：[1]江苏科技大学人文社科学院,江苏镇江212100

出　　处：《湖北工程学院学报》2025年第1期78-87,共10页Journal of Hubei Engineering University

基　　金：教育部人文社科规划项目(22YJA790010)。

摘　　要：作为新型金融服务模式,数字普惠金融凭借其便捷性和低成本的特点为缓解民族地区多维相对贫困提供了一条新路径。基于多维相对贫困内涵构建相应的指标体系,利用2011年-2022年民族地区12个省份的面板数据,通过固定效应模型探讨数字普惠金融对多维相对贫困的影响。研究结果表明:(1)数字普惠金融的发展有助于减轻民族地区的多维相对贫困;(2)进一步的分维度检验发现,数字普惠金融的覆盖广度显著降低多维相对贫困,而其使用深度对贫困的影响不明显。虽然数字化有助于提升金融服务的覆盖率,但可能因技术壁垒在一定条件下会加剧贫困现象;(3)创业活跃度在数字普惠金融与多维相对贫困之间发挥着重要的中介作用。基于这些发现,建议通过强化数字基础设施、提升金融与数字素养、优化产业结构与就业环境、支持创业活动并保护生态环境,以推动民族地区数字普惠金融的发展,助力减贫和可持续发展。Digital inclusive finance,an innovative financial service model known for its convenience and affordability,offers a novel approach to reducing multidimensional relative poverty in ethnic regions.This study constructs an index system aligned with the multidimensional relative poverty concept and leverages panel data from twelve provinces within ethnic regions from 2011 to 2022.Employing a fixed effects model,the research examines the impact of digital inclusive finance on multidimensional relative poverty levels.The findings highlight three key insights:Firstly,the expansion of digital inclusive finance significantly contributes to reducing multidimensional relative poverty in ethnic regions.Secondly,an in-depth analysis by dimension reveals that while the broad coverage of digital inclusive finance substantially alleviates multidimensional relative poverty,the depth of its use has an indeterminate impact on poverty levels.Although digitalization enhances financial service reach,it can potentially worsen poverty under certain conditions due to technological barriers.Thirdly,the study identifies that entrepreneurial activity plays a significant mediating role between digital inclusive finance and the reduction of multidimensional relative poverty.Based on these findings,the paper recommends bolstering digital infrastructure,enhancing financial and digital literacy,refining industries and employment,encouraging entrepreneurship,and safeguarding the ecological environment to foster the growth of digital inclusive finance in ethnic regions and facilitate poverty alleviation and sustainable development.

关 键 词：数字普惠金融 多维相对贫困 民族地区 

分 类 号：F832.1[经济管理—金融学]