| 摘要: |
| 摘要：解决收入差距问题是推进共同富裕的关键。运用数字普惠金融指数和中国劳动力动态调查数据（CLDS），基于城市层面研究数字普惠金融对收入差距的影响。研究发现：（1）数字普惠金融能够缓解收入差距，而数字鸿沟中的数字接入沟和使用沟抑制数字普惠金融对收入差距的作用；（2）数字普惠金融通过缓解信贷约束、促进教育机会和创业机会的均等化提高城市人力资本水平，进而降低城市层面的收入差距程度；（3）数字普惠金融缓解收入差距的作用在地区间、收入水平和金融城市等方面存在异质性。相关研究结果为促进数字普惠金融的普惠效应研究提供了新的研究视角。 |
| 关键词: 关键词：数字普惠金融；收入差距；人力资本；数字鸿沟 |
| DOI： |
| 分类号:F832 |
| 基金项目:基金项目：国家自然科学基金项目“农村家庭负债分布及其对消费的影响研究”（71963028）。 |
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| Digital Inclusive Finance and Income Inequality——An Analysis Based on Urban Human Capital and Digital Divide Perspectives |
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CHEN Qing-hua1,YANG Wei-ping1，LI Rui-ning21,2
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1.（1.School of Economics and Management,Ningxia University;2.School of Ethnology and Historiography,Ningxia University）
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| Abstract: |
| Abstract：The report of the 20th National Congress of the Communist Party of China proposed to increase the income of low-income people,expand the middle-income group,narrow the income gap and achieve common prosperity.Solving the problem of income inequality is the key to promoting common prosperity.This paper examines the impact of digital inclusive finance on income inequality using data from the digital inclusive finance and the China Labor-force Dynamics Survey (CLDS) .The findings are as follows:(1) Digital inclusive finance can reduce income inequality,while digital access gap and use gap in the digital divide can inhibit the role of digital inclusive Finance in alleviating income inequality;(2) Digital inclusive Finance reduces income inequality at the city level by increasing the level of urban human capital by easing credit constraints and promoting the equalization of educational and entrepreneurial opportunities;(3) The role of digital financial inclusion in alleviating income inequality is heterogeneous across regions,income levels and city sizes.The relevant research results provide a new research perspective for the study of the inclusive effect of promoting digital inclusive finance. |
| Key words: Key words：Digital Inclusive Finance;Income Inequality;Human Capital;Digital Divide |
