摘要
近年来,我国数字普惠金融的快速发展对促进共同富裕和贫困治理有重要意义。论文对中国数字普惠金融的发展现状以及各类银行在其中能够发挥的作用进行了分析,并通过建立动态面板模型,分地区考察了数字普惠金融对促进共同富裕及减缓相对贫困的实际效应。结果表明,数字普惠金融对中国相对贫困的减缓在全国范围内具有正效应,且数字普惠金融发展的饱和程度、减贫效应大小等在地区之间差异较大。国有控股大型商业银行可以通过鼓励中小型银行在中、西部地区开发数字产品和线上业务来推动数字普惠金融在当地的发展,缩小地区间差异。未来,为了促进共同富裕,应进一步增加中国数字普惠金融的覆盖广度、鼓励数字普惠金融创新、完善数字金融相关法律法规。
In recent years,the rapid development of digital inclusive finance in China is of great significance for promoting common prosperity and poverty governance.This paper analyzes the development status of China’s digital inclusive finance and the role that various banks can play in it,and investigates the actual effect of digital inclusive finance on promoting common prosperity and alleviating relative poverty by region.The results show that digital inclusive finance has a positive effect on the alleviation of relative poverty in China nationwide,and the saturation degree and poverty reduction effect of digital inclusive finance development vary greatly among regions.In order to promote common prosperity in the future,China should further increase the coverage of digital inclusive finance,encourage innovation in digital inclusive finance,and improve relevant laws and regulations on digital finance.
作者
王曙光
郑夏莹
WANG Shu-guang;ZHENG Xia-ying
出处
《农村金融研究》
2022年第9期3-12,共10页
Rural Finance Research
基金
中国社会科学院马克思主义理论学科建设与理论研究工程重大项目(编号:2021MGCZD008)的阶段性成果。
关键词
共同富裕
相对贫困
数字金融
普惠金融
Common Prosperity
Relative Poverty
Digital Finance
Inclusive Finance
