摘要
普惠金融和共同富裕在最终目标和关注对象上是高度一致的,数字普惠金融能有效解决普惠金融的瓶颈难题,能为扎实推进共同富裕提供内生动力。本文系统梳理了数字普惠金融对于多维减贫的理论逻辑,从学理层面阐释数字普惠金融何以减缓多维贫困;基于2011—2018年中国30个省份的面板数据,综合运用固定效应模型、工具变量法以及中介效应等数理统计模型对数字普惠金融的多维减贫效应进行了检验,从因果推断的角度验证了数字普惠金融究竟能否减缓多维贫困。研究表明,数字普惠金融对多维贫困的影响显著为负,即数字普惠金融整体上是有助于减缓多维贫困的,经过内生性处理和一系列稳健性检验之后,这一结论依然成立。但数字普惠金融的多维减贫效应呈现出非线性关系,随着数字普惠金融综合水平的不断提高,其减贫作用有所衰减,存在减贫边际效应递减现象。进一步研究发现,数字普惠金融可以通过促使产业结构优化、促进经济包容性增长、提高农民可支配收入以及改善收入分配结构的机制渠道来减缓多维贫困。
Financial inclusion and shared prosperity are highly consistent in their ultimate goals and objects of concern. Digital financial inclusion can effectively solve the bottlenecks of financial inclusion and provide the endogenous impetus for the solid promotion of shared prosperity. This paper systematically sorted out the theoretical logic of digital financial inclusion for multidimensional poverty reduction and explained how digital financial inclusion could alleviate multidimensional poverty from the theoretical level. Then,based on the panel data of 30 provinces in China from 2011 to 2018, the paper tested the multidimensional poverty reduction effect of digital financial inclusion by comprehensively using mathematical and statistical models such as the fixed effect model, instrumental variable method, and mediation effect, and verified whether digital financial inclusion could alleviate multidimensional poverty from the perspective of causal inference. The research shows that the impact of digital financial inclusion on multidimensional poverty is significantly negative. That is, digital financial inclusion, on the whole, can help alleviate multidimensional poverty, and this conclusion still holds after endogeneity treatment and a series of robustness tests. However,digital financial inclusion’s multidimensional poverty reduction effect shows a nonlinear relationship. With the continuous improvement of the comprehensive level of digital financial inclusion, its poverty reduction effect has decreased, and there is a phenomenon of decreasing the marginal effect of poverty reduction.Further research shows that digital financial inclusion can alleviate multidimensional poverty by promoting industrial structure optimization, inclusive economic growth, increasing disposable income of farmers, and improving the mechanism and channel of income distribution structure.
作者
沈洋
犹雨寒
周鹏飞
SHEN Yang;YOU Yuhan;ZHOU Pengfei
出处
《深圳社会科学》
2023年第1期24-37,共14页
Social Sciences in Shenzhen
基金
国家社会科学基金项目“民族地区社区营造助推精准脱贫的机理建构及路径改善问题研究”(19XMZ095)。
关键词
共同富裕
数字普惠金融
多维贫困
减贫效应
common prosperity
digital inclusive finance
multidimensional poverty
poverty reduction effect
