摘要
为检验我国数字普惠金融发展成效,本文基于2011—2018年中国30个省市的面板数据,运用空间杜宾模型实证分析了数字普惠金融响应城乡收入差距的空间溢出效应。研究发现:整体上,我国数字普惠金融发展尚未响应本地城乡收入差距,城乡收入差距越大的地区,数字普惠金融发展水平越低;而城乡收入差距越大,其周边地区数字普惠金融发展越好,表明各地区缓解城乡收入差距的努力开始处于跨区域的技术共享阶段。从细分的三个维度来看,数字化水平对城乡收入差距有正向响应,而数字普惠金融的覆盖广度、使用深度则没有响应城乡收入差距,是发展的薄弱点。从区域来看,东部和西部地区数字普惠金融发展响应了城乡收入差距,但中部地区没有响应。鉴此,本文提出以下建议:一是扩大数字设备覆盖范围,提高产业主体与居民的数字化程度;二是充分发挥技术创新和现有金融机构的支撑作用,创新产品;三是加强数字普惠金融的跨区域协同发展,通过促进生产要素的合理流动,进一步缓解城乡收入差距。
To test the effectiveness of China's digital inclusive finance development,based on the panel data of 30 provinces and cities in China from 2011 to 2018,a spatial Dubin model is used to empirically analyze the spatial spillover effects of digital inclusive finance in response to urban-rural income gap.The study found that:on the whole,the development of our country's digital financial inclusion has not yet responded to the local urbanrural income gap.The larger the urban-rural income gap,the lower the level of digital financial inclusion.The greater the urban-rural income gap,the better the development of digital financial inclusion in the surrounding areas,indicating that the efforts of various regions to alleviate the urban-rural income gap are stepping into the inter-regional technology sharing stage.From the perspective of the three subdivision,the level of digitalization has a positive response to the urban-rural income gap,while the coverage and depth of digital financial inclusion have not responded to the urban-rural income gap,which is the weak point of development.From a regional perspective,digital financial inclusion in the eastern and western regions has been responding promptly to urbanrural income gap,while the central region has not responded.In view of this,this article puts forward the following suggestions:First,expand the coverage of digital equipment and improve the digitization of industry entities and residents.Second,give full play to the supporting role of technological innovation and existing financial institutions to innovate products.Third,Strengthen the cross-regional coordinated development of digital financial inclusion,and further alleviate the urban-rural income gap by promoting the inter-regional flow of production factors.
作者
殷贺
江红莉
张财经
蒋鹏程
YIN He;JIANG Hongli;ZHANG Caijing;JIANG Pengcheng
出处
《金融监管研究》
CSSCI
北大核心
2020年第9期33-49,共17页
Financial Regulation Research
基金
国家自然科学基金项目“技术融合驱动的新兴产业价值链构型与企业嵌入行为研究”(71704069)。
关键词
数字普惠金融
城乡收入差距
空间溢出效应
Digital Inclusive Finance
Urban-rural Income Gap
Spatial Spillover Effects
作者简介
殷贺,北京师范大学经济与资源管理研究院,联系方式:18852867753@163.com;江红莉,管理学博士,副教授,江苏大学财经学院,联系方式:jhl20052008@126.com;张财经,南京农业大学经济管理学院,联系方式:1227179033@qq.com;蒋鹏程,江苏大学财经学院,联系方式:1780457707@qq.com。
