包容性增长视角下数字普惠金融对灵活就业者收入的影响效应研究  

Research on the impact of digital inclusive finance on the income of flexible workers based on inclusive growth

作　　者：周佳宁 张建锋[1] 王宁 张应良[1] ZHOU Jianing;ZHANG Jianfeng;WANG Ning;ZHANG Yingliang(Southwest University,Chongqing 402460;Fuzhou University,Fuzhou 350108)

机构地区：[1]西南大学,重庆402460 [2]福州大学,福建福州350108

出　　处：《财贸研究》2025年第2期12-28,共17页Finance and Trade Research

基　　金：教育部人文社会科学青年基金西部和边疆地区项目“要素流动视角下城乡融合发展驱动机制研究——以长江经济带为例”(22XJC630012)。

摘　　要：基于中国家庭金融调查数据和北京大学数字普惠金融指数,考察了数字普惠金融对灵活就业者收入的影响效应及其作用机制。结果表明:数字普惠金融整体上提升了灵活就业者收入增长的效率和公平,但数字化指数却相反。数字普惠金融通过影响灵活就业者创业行为、社会保障水平和理财产品配置促收入增长。异质性分析表明就业机会对灵活就业者形成了资源替代效应并缩小了收入差距,创业行为和社会保障水平则更适用于资源强化理论而加剧收入分化,理财产品配置拉大了灵活就业群体与非灵活就业群体之间的收入差距,但没有造成灵活就业职业内部收入的分化。Based on the data from the Chinese Household Finance Survey and the Peking University Digital Inclusive Finance Index,this paper examines the impact and mechanism of digital inclusive finance on the income of flexible workers.The results show that digital inclusive finance has generally improved the efficiency and fairness of income growth for flexible workers,but the digitalization index has the opposite effect.Digital inclusive finance promotes income growth by enhancing the entrepreneurial behavior of flexible employees,improving social security levels,and allocating wealth management products.Heterogeneity analysis shows that employment opportunities have formed a resource substitution effect on flexible employees and narrowed the income gap.Entrepreneurial behavior and social security levels are more suitable for resource reinforcement theory and exacerbate income differentiation.The allocation of wealth management products has widened the income gap between flexible employees and non-flexible employees,but has not caused income differentiation within flexible workers.

关 键 词：数字普惠金融 灵活就业者 收入效应 包容性增长 

分 类 号：F49[经济管理—产业经济] F249.2F124