| 摘要: |
| 缩小农村居民收入差距是实现全体人民共同富裕的关键。基于中国家庭金融调查（CHFS）数据和北大数字普惠金融指数，以经济发展水平为转换变量，运用面板平滑转换模型（PSTR）实证检验数字金融影响农村居民收入差距的非线性效应。具体而言，数字金融及覆盖广度、使用深度和数字化程度对农村居民收入差距的影响随着经济发展水平的上升由扩大效应变为缩减效应，在阈值前后的转换呈现平滑快速变化趋势。本文的研究表明数字金融对农村居民收入差距的影响存在复杂的非线性效应，数字金融的普惠效应要在一定的经济发展水平下才能发挥作用，有利于政府更好地利用数字金融破解收入分配难题以实现共同富裕。 |
| 关键词: 关键词：数字金融；农村居民收入差距；经济发展水平；PSTR模型 |
| DOI： |
| 分类号:F832；F126.2 |
| 基金项目:基金项目：国家社会科学基金一般项目“金融科技增强金融普惠性的理论逻辑与路径优化研究”（21BJL086）。 |
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| Research on the Nonlinear Effects of Digital Finance on Income Gap among Rural Residents——Empirical Evidence from the PSTR Model |
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LUO Chun-ling1,2,WANG Ding-xiang1,21,2
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1.（1.Center for Inclusive Finance and Agricultural & Rural Development,Southwest University;2.School of Economics and Management,Southwest University）
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| Abstract: |
| Narrowing the income gap among rural residents is key to achieving common prosperity for all people.Based on data from the China Household Finance Survey (CHFS) and Peking Universitys Digital Inclusive Finance Index,this study employs a Panel Smooth Transition Regression (PSTR) model to empirically examine the nonlinear effects of digital finance on the income disparity in rural areas,using economic development level as a transition variable.Specifically,the impact of digital finance,including its coverage breadth,usage depth,and degree of digitalization,shifts from an expansive effect to a diminishing effect as economy increases.The transition around the threshold exhibits a smooth and rapid change trend.This research indicates that the impact of digital finance on income disparity among rural inhabitants is characterized by intricate nonlinear effects,suggesting that the inclusive effects of digital finance can only be realized at certain levels of economic development,thereby contributing to better addressing income distribution and reaching shared prosperity. |
| Key words: Key words：Digital Finance;Income Gap among Rural Residents;Economic Development;PSTR Model |
