[1]陈东平,丁力人,高名姿.共同富裕背景下数字金融与城乡收入差距——基于地级市面板数据的实证研究[J].南京农业大学学报(社科版),2022,22(06):171-182.
　CHEN Dongping,DING Liren,GAO Mingzi.Digital Finance and Urban-rural Income Gap under the Background of Common Prosperity—An Empirical Study Based on the Panel Data of Prefecture Level Cities[J].Journal of Nanjing Agricultural University(Social Science),2022,22(06):171-182.
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共同富裕背景下数字金融与城乡收入差距——基于地级市面板数据的实证研究()
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南京农业大学学报（社科版）[ISSN:1006-6977/CN:61-1281/TN]

卷:
22
期数:
2022年06期
页码:
171-182
栏目:
农业经济
出版日期:
2022-12-09

文章信息/Info

Title:
Digital Finance and Urban-rural Income Gap under the Background of Common Prosperity—An Empirical Study Based on the Panel Data of Prefecture Level Cities
作者:
陈东平;  丁力人;  高名姿
南京农业大学 金融学院, 江苏 南京 210095
Author(s):
CHEN Dongping;  DING Liren;  GAO Mingzi
关键词:
共同富裕; 数字金融; 城乡收入差距; 劳动力转移
Keywords:
Common Prosperity; Digital Finance; Rural-urban Income Gap; Labor Transfer
分类号:
F320
摘要:
优化分配结构、缩小城乡收入差距是实现我国全体人民共同富裕的重要任务之一。本文基于2011—2019年地级市面板数据，使用固定效应模型和门槛模型研究数字金融对城乡收入差距的影响。研究发现，数字金融能够显著提高居民可支配收入，缩小城乡收入差距，且结论通过了稳健性检验。具体来说，银行开展的数字金融服务对缩小城乡收入差距的边际作用递减，而互联网企业开展的数字金融服务对缩小城乡收入差距的边际作用递增。异质性分析表明，数字金融具备明显的普惠性和规模经济特征，对中西部地区、对中大规模城市的城乡收入差距的影响更为显著。机制分析表明，数字金融通过推动劳动力向非农产业转移来提高工资性收入水平，进而缩小城乡收入差距。研究结论为有关部门在数字经济时代下优化宏观要素配置结构和流动机制、改善收入分配格局，实现共同富裕提供了新思路。
Abstract:
Optimizing the distribution structure and narrowing the income gap between urban and rural areas is one of the important tasks to achieve common prosperity for all Chinese people. Based on the panel data of prefecture-level cities from 2011 to 2019, this paper uses a fixed-effect model and a threshold model to study the impact of digital finance on the urban-rural income gap. The study found that, in general, digital finance can significantly increase the disposable income of residents and narrow the income gap between urban and rural areas, and this conclusion has passed the robustness test. Further, the marginal role of digital financial services provided by banks in narrowing the urban-rural income gap is decreasing, and the marginal role of digital financial services provided by Internet companies in narrowing the urban-rural income gap is increasing. Heterogeneity analysis shows that digital finance has obvious characteristics of inclusiveness and economies of scale, and has a more significant impact on the urban-rural income gap in the central and western regions and medium and large-scale cities. Mechanism analysis shows that digital finance improves wage income by promoting the transfer of labor to non-agricultural industries, thereby narrowing the urban-rural income gap. The research conclusions provide new ideas for relevant departments to optimize the allocation structure and flow mechanism of macro factors in the era of digital economy, improve the pattern of income distribution, and achieve common prosperity.

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备注/Memo

备注/Memo:
收稿日期:2022-02-14。
基金项目:国家自然科学基金面上项目"合作社内农户信用合作契约达成及治理结构选择"（71673138）；南京农业大学中央高校基本科研业务费人文社会科学研究基金"农户农业价值链外部信贷缔约条件与履行机制——交易特征-嵌入视角"（SKYC2019005）
作者简介:陈东平,男,南京农业大学金融学院教授,博士生导师;丁力人,男,南京农业大学金融学院博士生;高名姿,女,南京农业大学金融学院讲师,硕士生导师。
更新日期/Last Update: 1900-01-01