数字普惠金融对居民收入水平的影响研究

Research on the Impact of Digital Inclusive Finance on Residents’ Income Level

摘要: 数字普惠金融将普惠金融与大数据、移动通讯等数字化技术结合，解决了普惠金融原有的覆盖范围狭窄的局限性，扩大金融服务人群，让更多的居民享受到了金融服务和金融产品带来的便利，对促进社会经济水平提高和增强居民收入有着重要的理论意义。本文以我国31个省份的经济数据作为实证分析的样本，分析数字普惠金融对城乡居民收入水平的影响机制。结果显示：数字普惠金融的发展有利于城乡居民收入水平的提高，通过进一步对比分析发现数字普惠金融对城镇居民和农村居民的收入水平依然存在显著的正面效应影响；数字普惠金融广度指数和深度指数同样对居民的收入水平产生正向作用；最后通过异质性分析得出数字普惠金融对长三角、珠三角地区居民收入水平的提升作用大于对内陆及偏远地区居民收入水平的提升作用。

Abstract: Digital inclusive finance combines inclusive finance with digital technologies such as big data and mobile communication, solving the limitations of narrow coverage of inclusive finance, expanding the financial service population, and allowing more residents to enjoy the convenience brought by financial services and products. It has important theoretical significance for promoting the improvement of social and economic levels and enhancing residents’ income. This article uses economic data from 31 provinces in China as the sample for empirical analysis to analyze the impact mechanism of digital inclusive finance on the income level of urban and rural residents. The results show that the development of digital inclusive finance is conducive to the improvement of income levels for urban and rural residents. Through further comparative analysis, it is found that digital inclusive finance still has a significant positive impact on the income levels of urban and rural residents; The breadth index and depth index of digital inclusive finance also have a positive impact on residents’ income levels; Finally, through heterogeneity analysis, it is concluded that digital inclusive finance has a greater impact on the income level of residents in the Yangtze River Delta and Pearl River Delta regions than on the income level of residents in inland and remote areas.