摘要
相对贫困是我国后脱贫攻坚时期贫困治理的重点,在数字技术与普惠金融快速发展的背景下,探索数字普惠金融对资产相对贫困的影响效应及路径,对于构建相对贫困治理长效机制具有重要意义。基于CHFS和北京大学数字普惠金融指数,使用Probit模型检验数字普惠金融对资产相对贫困的影响,并进一步识别了金融素养的中介效应,研究发现:数字普惠金融有利于缓解资产相对贫困,并且数字普惠金融使用深度的缓解效应大于覆盖广度;数字普惠金融对中西部地区的居民资产相对贫困缓解效应更强,但互联网使用程度提升和风险偏好增强会削弱数字普惠金融减缓资产相对贫困的效应;数字普惠金融对不同资产群体的财富存量改善都有显著正向作用,并且对低资产群体的改善效应大于高资产群体;数字普惠金融通过提高居民的金融素养缓解资产相对贫困。
Relative poverty is the focus of poverty governance in the post-poverty alleviation period in China.In the context of the rapid development of digital technology and inclusive finance,it is of great significance to explore the effects and paths of digital inclusive finance on relative poverty in asset for the construction of long-term mechanism of relative poverty governance.Based on CHFS and PKU-DFIIC,this paper used Probit model to test the impact of digital inclusive finance on relative asset poverty and further identified the mediating effect of financial literacy.The results show that:digital inclusive finance is conducive to alleviating relative poverty in asset,and the alleviating effect of the depth of digital inclusive finance is greater than the coverage of digital inclusive finance;digital inclusive finance has a stronger mitigation effect on relative asset poverty on the part of the residents in central and western China,but the popularity of the Internet and the escalation of risk appetite will weaken the effect of digital inclusive finance on asset relative poverty;digital inclusive finance has a significant positive effect on the improvement of wealth stock of different asset groups,and the improvement effect of low asset groups is greater than that of high asset groups;digital inclusive finance alleviates asset relative poverty by improving residents'financial literacy.
作者
丁建军
万航
DING Jian-jun;WAN Hang(Business School,Jishou University,Jishou,Hunan 416000,China)
出处
《湘潭大学学报（哲学社会科学版）》
CSSCI
北大核心
2022年第6期59-65,共7页
Journal of Xiangtan University:Philosophy And Social Sciences
基金
国家社会科学基金重大项目“接续推进脱贫地区乡村振兴的金融支持研究”(21&ZD115)
国家自科基金项目“演化-关系视角下相对贫困连片区发展韧性及其返贫遏制机制研究”(42161033)
湖南省教育厅科学研究项目重点项目“金融资源配置、企业创新促进经济高质量发展的机制研究”(21A0330)
湖南省研究生科研创新项目“数字金融助力相对贫困治理的机制研究”(QL20220238)。
关键词
数字普惠金融
相对贫困
资产配置
金融素养
digital inclusive finance
relative poverty
asset allocation
financial literacy
