河南师范大学学报(自然科学版)

2022, v.50;No.226(05) 56-62

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黄河流域数字普惠金融对城乡收入差距影响的实证研究
An empirical study on the impact of digital inclusive finance on urban-rural income gap in the Yellow River basin

任经辉;
Ren Jinghui;Institute of Intelligent Social Issues, Henan Institute of Technology;

摘要(Abstract):

黄河流域城乡协调发展是高质量发展的关键,而城乡收入差距的缩小有助于城乡协调发展.实证检验了黄河流域数字普惠金融发展对城乡收入差距的影响,结果发现,数字普惠金融总体上缩小了城乡收入差距,但主要表现在数字普惠金融覆盖广度、使用深度方面,数字化程度在一定程度上扩大城乡收入差距.进一步门限检验发现,黄河流域数字普惠金融对城乡收入差距的影响存在以经济发展水平为门限的非线性影响.只有当经济发展水平高于某一阈值时,数字普惠金融对缩小城乡收入差距的影响才更有效.为进一步缩小黄河流域城乡收入差距,最后提出了加快数字普惠金融发展,优化数字普惠金融发展环境等相关建议.
As an important national strategy, the coordinated development of urban-rural areas in the Yellow River basin is the key to high-quality development. Narrowing the income gap of urban-rural areas is conducive to their coordinated development. This paper empirically examines the impact of digital inclusive finance development on the urban-rural income gap in the Yellow River basin. The results show that digital inclusive finance reduces the urban-rural income gap on the whole, mainly in the coverage and depth of digital inclusive finance. However, to a certain extent, the degree of digitalization expands the urban-rural income gap. Further threshold test shows that the impact of digital inclusive finance in the Yellow River basin on the urban-rural income gap is nonlinear with the level of economic development as the threshold. Only when the level of economic development is above a certain threshold, the impact of digital inclusive finance on narrowing the urban-rural income gap is more effective. In order to further narrow the income gap, some relevant suggestions on how to accelerate the development of digital inclusive finance and optimize its development environment are finally put forward.

关键词(KeyWords): 黄河流域;数字惠普金融;城乡收入差距
Yellow River basin;digital inclusive finance;urban-rural income gap

Abstract:

Keywords:

基金项目(Foundation): 国家社会科学基金重大项目(21&ZD084)

作者(Authors): 任经辉;
Ren Jinghui;Institute of Intelligent Social Issues, Henan Institute of Technology;

DOI: 10.16366/j.cnki.1000-2367.2022.05.008

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