摘要
随着通信技术和电子商务的快速发展,数字金融已经渗透到我们生产生活的方方面面,但如何测度中国数字金融的发展现状和普惠程度一直是一个难题。北京大学数字金融研究中心和蚂蚁集团研究院团队合作编制了一套"北京大学数字普惠金融指数",在一定程度上缓解了中国缺乏数字金融测度的窘迫。目前该指数已得到学术界的广泛应用,本文对常见的数字普惠金融测度,特别是"北京大学数字普惠金融指数"的基本情况进行了总结,并对后者应用中值得注意的问题进行了讨论。数字普惠金融指数可以与家庭、企业、传统金融市场以及区域经济活动等各类数据进行匹配,开展相关领域的研究,但在应用"北京大学数字普惠金融指数"时,也需要高度关注该指数存在的固有缺陷和其他需要注意的问题,如内生性、影响机制讨论等。
With the rapid development of communication technology and e-commerce, digital finance has penetrated into all aspects of our production and life, but how to measure the development status and the level of inclusion of China’s digital finance has always been a difficult problem. The Institute of Digital Finance Peking University and the Research Institute of Ant Group worked together to compile a set ofPeking University Digital Financial Inclusion Index of China(PUDFIIC), which alleviated the dilemma of China’s lack of digital finance measurement to a certain extent. At present,the index has been widely used in academic studies. This paper compares the composition and application of traditional digital inclusive financial indexes and thePUDFIIC, and summarizes the problems in the application of the latter. ThePUDFIICcan be matched with various data of households, enterprises, financial markets and regional economic activities to explore the effects of digital finance. But in the application ofPUDFIIC, we need to pay close attention to the limits of the index and other issues like potential endogeneity and missing transmission mechanism. The paper also makes a brief summary of literatures to provide a reference for the research in related fields.
作者
郭峰
熊云军
GUO Feng;XIONG Yunjun(School of Public Economics and Administration,Shanghai University of Finance and Economics,Shanghai 200433,China)
出处
《金融评论》
CSSCI
北大核心
2021年第6期12-23,117,118,共14页
Chinese Review of Financial Studies
基金
国家社会科学基金重大项目(18ZDA091)
上海市哲学社会科学规划课题(2020BJB004)的资助。
关键词
数字金融
普惠金融
数字经济
影响机制
Digital finance
Financial inclusion
Digital economy
Transmission mechanism
