| 摘要: |
| 数字技术赋能普惠金融，让金融服务惠及更多的低收入人口，但数字普惠金融是否具有更好的相对贫困减缓作用，还需要深入研究。本文基于2011－2020年31个省份的面板数据，实证检验我国传统普惠金融与数字普惠金融对相对贫困的减缓效应，并进一步探讨地区异质性。研究结果显示：数字普惠金融能够减缓相对贫困，其减贫效应大于传统普惠金融；传统普惠金融与数字普惠金融的协同发展能够显著促进相对贫困程度下降。进一步的机制检验发现，数字普惠金融主要通过缩小城乡收入差距进而推动相对贫困减缓。基于上述结论，提出在提升传统普惠金融供给服务能力的基础上推动数字普惠金融的发展、根据实地情况提升数字普惠金融发展水平、充分发挥数字普惠金融减贫的收入分配效应等政策建议。 |
| 关键词: 数字普惠金融；相对贫困；收入差距 |
| DOI： |
| 分类号:F832.1 |
| 基金项目:国家社会科学基金一般项目“风险事件频发背景下中小银行监管效果评估与问责联动机制研究”（21BJY051） |
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| Does Digital Financial Inclusion Have a Better Alleviation Effect on Relative Poverty? |
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DENG Lu，LIN Chen-xi，WANG Wei
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（School of Finance，Chongqing Technology and Business University）
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| Abstract: |
| Digital technology empowers inclusive finance and allows financial services to benefit more low-income populations.However，whether digital inclusive finance has a better relative poverty alleviation effect still needs in-depth research.Based on the panel data of 31 provinces from 2011 to 2020，this paper empirically tests the mitigation effects of traditional and digital financial inclusion in my country on relative poverty，and further explores regional heterogeneity.The conclusions show that digital financial inclusion can alleviate relative poverty，and its poverty reduction effect is greater than that of traditional financial inclusion；moreover，the coordinated development of traditional financial inclusion and digital financial inclusion can significantly reduce the degree of relative poverty.Further mechanism test found that digital inclusive finance mainly promotes relative poverty alleviation by narrowing the urban rural income gap and reducing the digital divide among residents. Based on the above conclusions，policy suggestions are put forward to promote the development of digital Inclusive Finance on the basis of improving the supply and service capacity of traditional Inclusive Finance，improve the development level of digital Inclusive Finance according to the actual situation，〖JP2〗and give full play to the income distribution effect of digital Inclusive Finance in poverty reduction. |
| Key words: Digital Financial Inclusion；Relative Poverty；Income Gap |
