| 摘要: |
| 随着我国全面建成小康社会，扎实促进共同富裕已成为社会发展的重要目标。本文以共同富裕为切入点，使用中国家庭金融调查和数字普惠金融指数两组数据，通过实证分析数字普惠金融对家庭财富差距的影响。研究结果表明，数字普惠金融对家庭财富差距的影响呈倒U型关系，即数字普惠金融对家庭财富差距的影响呈现先上升后下降的趋势，且在数字普惠金融分指标中，数字化程度的影响最大；异质性分析表明，数字普惠金融对低财富家庭的作用效果更明显；门槛效应检验揭示，当家庭所处地区的数字普惠金融程度超过门槛值时，数字普惠金融能够缩小家庭财富差距。据此，本文提出应大力推进数字普惠金融，尤其要关注其数字化程度的建议。 |
| 关键词: 数字普惠金融；家庭财富差距；分位数回归；门槛效应 |
| DOI： |
| 分类号:F832.0 |
| 基金项目: |
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| Study on the Impact of Digital Inclusive Finance on Family Wealth Gap |
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CAI Xin-yu1，YANG Ding-hua21,2
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1.（1.Institute for Economic Research，Yunnan University of Finance and Economics;2.2.School of International Business，Yunnan University of Finance and Economics)
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| Abstract: |
| As China has built a well-off society in an all-round way，solidly promoting common prosperity has become an important goal of China’s current social development.Taking common prosperity as the starting point，this paper empirically analyzes the impact of digital Inclusive Finance on family wealth gap by using two groups of data from China’s Household Finance Survey and digital inclusive finance index.The results show that the impact of digital Inclusive Finance on family wealth gap shows an inverted U-shaped relationship，that is，the impact of digital Inclusive Finance on household wealth gap shows a trend of rising first and then falling，the digitization has the greatest impact；Heterogeneity analysis shows that digital Inclusive Finance will have a more obvious effect on low wealth families；The threshold effect test reveals that when the level of digital Inclusive Finance in the area where the family is located exceeds the threshold value，digital inclusive finance can narrow the family wealth gap.Therefore，this paper puts forward some suggestions that we should vigorously promote digital Inclusive Finance，especially pay attention to its digitization. |
| Key words: Digital Inclusive Finance；Family Wealth Gap；Quantile Regression；Threshold Effect |
