摘要
数字普惠金融旨在为金融需求者提供一个普惠性的产品服务,促使传统金融转向开放、包容、普惠的"人本主义"经营理念。根据金融深化理论的观察,数字普惠金融通过门槛效应、减贫效应、排除效应可以显著缩小城乡居民收入差距。基于2011-2015年省级面板数据,测算31个省级区域的泰尔指数,并在此基础上使用面板回归模型检验了数字普惠金融对城乡收入差距的影响。结果表明:数字普惠金融可以有效收敛城乡收入差距;由于数字普惠金融会在计量经济模型中出现内生性问题,用互联网普及率作为工具变量解决内生性问题,得到一致可靠的计量结果。
The purpose of digital inclusive finance is to provide financial demanders with an inclusive product and service,and to promote the traditional finance to turn into an open,inclusive and“humanistic”business philosophy.According to the observation of financial deepening theory,digital inclusive finance can significantly narrow the income gap between urban and rural residents through threshold effect,poverty reduction effect and exclusion effect.Based on the provincial panel data from 2011 to 2015,this paper estimates the Theil index in 31 provincial areas and uses panel regression to test the effect of digital inclusive finance on the income gap between urban and rural areas.The results show that:digital inclusive finance can effectively reduce the income gap between urban and rural areas;digital inclusive finance has endogenous problems in the econometric model.This paper uses the internet penetration rate as an instrumental variable to solve endogenous problems and obtains consistent and reliable measurement results.
作者
梁双陆
刘培培
LIANG Shuanglu;LIU Peipei(Yunnan University,Kunming 650500;Yunnan University,Kunming 650091)
出处
《首都经济贸易大学学报》
CSSCI
北大核心
2019年第1期33-41,共9页
Journal of Capital University of Economics and Business
基金
云南省哲学社会科学重大招标项目"云南推进沿边开发开放研究"(ZDZB201616)
云南大学第九届研究生科研创新项目"数字普惠金融
教育约束与城乡收入差距收敛研究"(YDY17024)
关键词
数字普惠金融
城乡收入差距
工具变量法
互联网普及程度
digital inclusive finance
urban-rural income gap
tool variable method
internet penetration
