摘要
中国数字普惠金融飞速发展对经济社会产生了深刻影响。基于数字普惠金融对城乡共同富裕影响的机理阐释,利用2011-2020年31个省(市、自治区)的数据实证分析了数字普惠金融对城乡共同富裕的影响效应、作用机制和制约因素。研究发现:(1)数字普惠金融显著推进了城乡共同富裕的进程。数字普惠金融既提高了城乡“富裕程度”,也提升了城乡“共享水平”,实现了效率和公平的双赢。(2)非农就业是数字普惠金融促进城乡共同富裕的重要渠道。即数字普惠金融能够通过扩大非农就业规模提高居民收入,收敛城乡收入差距。(3)数字普惠金融对城乡共同富裕的影响存在交通和信息基础设施的门槛。在跨越门槛值后,数字普惠金融对城乡共同富裕的促进作用明显增强。研究结论有助于深入认识数字普惠金融和城乡共同富裕的关系,并为优化数字普惠金融发展路径提供参考依据。
The rapid development of China's digital inclusive finance had a profound impact on the economy and society.This paper uses the data of 31 provinces(cities,autonomous regions and municipalities)in China from 2011 to 2020 to discusses the impact,mechanism and restriction factors of digital inclusive finance on the common prosperity of urban and rural areas.The research findings are as follows.First,digital inclusive finance has significantly promoted the process of urban and rural common prosperity.This finance improves both the“prosperity degree”and“sharing level”of urban and rural areas,achieving a win-win situation of efficiency and fairness.Second,non-agricultural employment is an important mechanism for this finance to promote common prosperity in both areas.That is,by expanding the scale of non-agricultural employment,this finance can increase the income of residents and narrow the urban-rural income gap.Third,the impact of this finance on the common prosperity of both areas lies in the thresholds of transportation and information infrastructure.After crossing the threshold value,the role of digital inclusive finance in promoting the common prosperity of urban and rural areas will be significantly enhanced.The research conclusions help deepen the understanding of the relationship between digital inclusive finance and urban and rural common prosperity,and provide a reference for optimizing the development path of this finance.
作者
杨芳
YANG Fang(School of Business,Nanjing University of Information Science and Technology,Yangtze River Institute of International Digital Trade Innovation and Development,Nanjing University of Information Science and Technology,Nanjing,Jiangsu,210000,PRC)
出处
《西北师大学报（社会科学版）》
CSSCI
北大核心
2023年第5期114-125,共12页
Journal of Northwest Normal University(Social Sciences)
基金
江苏省社会科学基金项目“双循环背景下链群协同促进长三角产业分工调整与实现路径”(22EYB025)。
关键词
数字普惠金融
城乡共同富裕
非农就业
基础设施
digital inclusive finance
common prosperity of urban and rural areas
non-agricultural employment
infrastructure
作者简介
杨芳(1981-),女,甘肃文县人,经济学博士,南京信息工程大学副教授,从事数字经济和区域经济研究。
