基于要素配置视角的数字金融对城乡收入差距的影响研究  

A Study on the Impact of Digital Finance on the Urban-Rural Income Gap from the Perspective of Factor Allocation

作　　者：张哲 王爱民 ZHANG Zhe;WANG Aimin(Business School,Jiangsu Normal University,Xuzhou 221116,China)

机构地区：[1]江苏师范大学商学院,江苏徐州221116

出　　处：《科技与经济》2025年第2期96-100,共5页Science & Technology and Economy

摘　　要：从金融供给和需求两方面分析了数字金融对城乡收入差距的直接影响,基于要素配置视角分析了数字金融影响城乡收入差距的传导机制,运用2012—2021年全国省级面板数据进行了实证检验。结果表明,数字金融能显著缩小城乡收入差距,并存在以经济发展水平为门限的非线性影响特征。就传导机制而言,要素配置是数字金融缩小城乡收入差距的重要渠道,劳动配置产生部分中介效应,而资本配置具有一定的遮掩效应;分地区看,西部地区数字金融对城乡收入差距的影响更为显著。最后,从完善数字金融基础设施、提升要素配置效率以及实施区域差异化监管措施等方面提出对策建议。This paper analyzes the direct impact of digital finance on the urban-rural income gap from both the supply and demand sides,and examines the transmission mechanism of digital finance's impact on the urban-rural income gap from the perspective of factor allocation.Empirical tests using national provincial panel data from 2012 to 2021 indicate that digital finance can significantly narrow the urban-rural income gap,with a nonlinear impact characteristic with the level of economic development as the threshold.Regarding the transmission mechanism,factor allocation is an important channel through which digital finance reduces the urban-rural income gap,with labor allocation producing a partial mediating effect,while capital allocation has a certain masking effect;regionally,the impact of digital finance on the urban-rural income gap is more pronounced in the western region.Finally,policy recommendations are proposed from three aspects:improving digital financial infrastructure,enhancing the efficiency of factor allocation,and implementing region-specific regulatory measures.

关 键 词：数字金融 城乡收入差距 要素配置 异质性分析 门限效应 

分 类 号：F832.7[经济管理—金融学]