摘要
数字技术融入普惠金融大大增强了数字普惠金融的商业可持续性,并使其承担的社会责任更易落实,然而依托于互联网技术,势必使得数字金融的普惠性受到数字鸿沟等问题的制约。基于2011—2017年省级面板数据,从金融排斥理论和金融功能观出发,重点考察了数字普惠金融对中国城乡收入差距的影响。区别于现有文献,本文不但从总体上分析,还从数字普惠金融的覆盖广度、使用深度、数字化程度、不同业务类型等方面开展结构性分析。结果表明:中国数字普惠金融的发展总体上收敛了城乡收入差距,但主要体现为覆盖广度和使用深度等方面带来的影响;数字化程度扩大了城乡收入差距;数字普惠金融不同业务的收敛效应也存在较大差异,属于基础功能和主导功能的数字普惠金融业务具有收敛城乡收入差距的效应,而属于衍生功能的业务则有扩大城乡收入差距的趋势。为进一步缩小城乡收入差距,数字普惠金融的发展一方面可以“以点带面”通过数字支付业务来拓宽覆盖广度,另一方面“以面带点”通过广泛应用来规范、创新各类型业务,优化监管环境。
The integration of digital technology into inclusive finance has greatly enhanced the commercial sustainability of digital inclusive finance(DIF)and made it easier to implement social responsibility.However,relying on Internet technology,the inclusiveness of digital finance is bound to be constrained by issues such as the digital divide.Based on the provincial panel data from 2011 to 2017,this paper focuses on the impact of DIF on urban-rural income gap from the perspective of financial exclusion theory and financial function.Different from existing literature,this paper not only analyzes it in general,but also carries out structural analysis from the coverage breadth,usage depth,digitization level,and different types of business of DIF.The results show that the development of DIF in China generally converges the urban-rural income gap,but mainly reflects the effects from coverage breadth and digitization level;the convergence effect of the usage depth is not obvious;the convergence effects of different businesses of DIF are also quite different.The DIF that belongs to the basic function and the leading function has converged the urban-rural income gap,while the business that is a derivative function has a tendency to expand the urban-rural income gap.In order to further narrow Chinese urban-rural income gap,the development of DIF can be“point-to-face”(by means of improving the digitization level),and then“face-to-point”(by optimizing the regulatory environment and deepening and innovating various types of businesses).
作者
李牧辰
封思贤
谢星
LI Muchen;FENG Sixian;XIE Xing
出处
《南京农业大学学报（社会科学版）》
CSSCI
北大核心
2020年第3期132-145,共14页
Journal of Nanjing Agricultural University(Social Sciences Edition)
基金
国家社会科学基金重大项目“互联网金融的发展、风险与监管研究”(14ZDA043)
国家社会科学基金重点项目“我国移动支付风险的识别、度量与管控研究”(16AJY023)。
关键词
数字普惠金融
城乡收入差距
异质性
数字鸿沟
Digital Inclusive Finance
Urban-Rural Income Gap
Heterogeneity
Digital Divide
