摘要
随着移动互联网、信息技术与金融的融合创新，中国普惠金融发展已经迈入数字化时代。基于2011-2015年省级面板数据，本文实证分析普惠金融对中国城乡收入差距的影响，并检验普惠金融数字化进程中潜在的空间溢出效应。研究发现：城乡收入差距存在显著的空间正相关性，内部流动性低且空间上呈现稳定的二元格局；发展普惠金融有助于缩小中国城乡收入差距，相较传统普惠金融，数字普惠金融能改善所在地区的城乡收入差距，短期内还存在显著的全局溢出效应，对邻近地区城乡收入差距也有积极的影响，且数字普惠金融的空间溢出效应主要取决于其数字服务支持程度。上述结论较好地印证了G20数字普惠金融所倡导的数字化价值所在，为推广数字普惠金融提供了经验证据。未来要以数字金融服务作为普惠金融发展重点，提高其在优化中国城乡收入分配格局的作用。
Along with the deep integration and innovation of the mobile internet, information technology and finance, the inclusive finance in China has stepped into a digital age. Based on the provincial-level data from 2011 to 2015, the paper analyzes the impact of inclusive finance on urban-rural income gap and investigates the potential spatial spillover effects during the digitization of the inclusive finance. The research results are as follows ： there is significant positive spatial correlation in the urban-rural income gap, with relatively low internal fluidity and steady duality in space; it is helpful to develop the inclusive finance for narrowing the urban-rural income gap, and compared with the traditional inclusive finance, digital inclusive finance can not only narrow the urban-rural income gap in areas where it is carried out, but bring on significant overall spillover effects within a short term and exert positive impact on narrowing the urban-rural in- come gap in the neighboring areas, besides, the spatial spillover effects of the digital inclusive finance mainly depend on the support of digital service. The above findings effectively prove the digital value advocated in the higher principles of G20 digital inclusive finance and offers experience proof for spreading digital inclusive finance. Thus, it is imperative to take digital financial service as the priority in the inclusive finance and play a bigger role in improving the urban-rural income pattern in China.
作者
陈啸
陈鑫
CHEN Xiao;CHEN Xin(Faculty of Finance ＆ Banking,Shanxi University of Finance ＆ Economics,Taiyuan 030006,China;School of Economics and Management,Tongji University,Shanghai 200092,China)
出处
《商业研究》
CSSCI
北大核心
2018年第8期167-176,共10页
Commercial Research
基金
国家社科基金项目,项目编号:14BJY097
山西省哲学社会科学规划课题项目,项目编号:2017.2
关键词
数字普惠金融
空间溢出
城乡收入差距
空间计量模型
digital inclusive finance
spatial spillover
urban-rural income gap
spatial econometric model
