摘要
选取2014—2023年中国30个省级行政区的面板数据,探讨金融科技对城乡收入差距影响及作用机制。结果显示:金融科技发展有利于缩小城乡收入差距;金融科技对城乡收入差距的影响具有明显结构差异,具体表现为金融科技产业、金融科技应用与金融科技生态对城乡收入差距的影响显著为负,金融科技监管的影响不显著;金融科技对城乡收入差距的收敛效应可通过重新分配劳动力要素、资本要素、技术要素实现;金融科技对城乡收入差距的收敛效应主要体现在城镇化水平较低省份与中、西部地区省份。据此,提出鼓励农村金融机构发展金融科技新业态、提高农村地区资本要素配置水平、加强城镇化水平较低地区互联网硬件设施建设等建议。
Using panel data from 30 provincial-level administrative divisions in China from 2014 to 2023,the impact of FinTech on the urban-rural income gap and its underlying mechanisms were explored.The results show that the development of FinTech helps narrow the urban-rural income gap.The impact of FinTech on the urban-rural income gap exhibits significant structural differences,specifically manifested as follows:the FinTech industry,FinTech applications,and the FinTech ecosystem have a significantly negative effect on the urban-rural income gap,while the impact of FinTech regulation is not significant.The convergence effect of FinTech on the urban-rural income gap can be achieved through the reallocation of labor,capital,and technology factors.This convergence effect is primarily observed in provinces with lower urbanization levels and in central and western regions.Based on these findings,recommendations were proposed,such as encouraging rural financial institutions to develop new FinTech business models,improving the allocation of capital factors in rural areas,and strengthening the construction of internet infrastructure in regions with lower urbanization levels.
作者
宛玲羽
WAN Lingyu(Accounting College,Tongling University,Tongling 244061,China)
出处
《沈阳大学学报(社会科学版)》
2025年第6期24-32,44,共10页
Journal of Shenyang University:Social Science
基金
教育部人文社科研究青年基金项目(24YJC630132)。
