摘要
基于我国2011—2020年省域面板数据,就数字普惠金融对多维贫困的影响及作用机制进行了理论与实证分析。研究表明:数字普惠金融对多维贫困的影响呈倒“U”型特征,进一步分析数字普惠金融发展的一级分项指数,发现这种倒“U”型关系更有可能源于数字金融的“覆盖广度”,而不是“使用深度”和“数字化程度”。通过作用机制检验,发现数字普惠金融对多维贫困的减贫效应主要通过提高信贷可获得性、扩大保险的覆盖面等途径实现。通过异质性检验,发现西部地区数字普惠金融减缓多维贫困的拐点出现要明显滞后于东部地区。因此,充分发挥数字普惠金融对多维贫困的减缓效应,既要从供需两侧优化信贷机制和推动数字保险服务的发展,也应重视根据地区差异实施差异化政策。
Based on the provincial panel data from 2011 to 2020 in China,this paper makes a theoretical and empirical analysis on the impact of digital inclusive finance on multidimensional poverty and its mechanism.The research indicates an inverted"U"relationship between digital inclusive finance and multidimensional poverty and further analyzes the first-level sub-index of the development of digital inclusive finance.It is found that the inverted U-shaped relationship is more likely to be due to the"breadth of coverage"rather than the"depth of use"and"degree of digitization"of digital finance.Through the mechanism test,it is found that the poverty reduction effect of digital inclusive finance on multidimensional poverty is mainly realized by increasing the availability of credit and expanding the coverage of insurance or with other mechanisms or means.Through the test of heterogeneity,it is found that the turning point of the multi-dimensional poverty reduction effect of digital finance in western China lags behind that in eastern China.Therefore,in order to make full use of the poverty reduction effect of digital inclusive finance on multidimensional poverty,we should not only optimize the credit mechanism from both supply and demand sides and promote the development of digital insurance services,but also implement differentiated policies according to regional differences.
作者
曾祥炎
胡慧强
ZENG Xiangyan;HU Huiqiang(Research Center of Big Data and Intelligent Decision,Hunan University of Science and Technology,Xiangtan 411201,Hunan China)
出处
《吉首大学学报（社会科学版）》
CSSCI
2023年第3期47-61,共15页
Journal of Jishou University(Social Sciences)
基金
湖南省教育厅科学研究重点项目(20A198)
湖南省教育厅科学研究重点项目(19A161)。
关键词
数字普惠金融
多维贫困程度
中介效应模型
异质性
digital inclusive finance
multidimensional poverty
intermediary effect model
heterogeneity
