刘魏.数字普惠金融对居民相对贫困的影响效应[J].,2021,(6):65-77
数字普惠金融对居民相对贫困的影响效应
Impact of Digital Inclusive Finance on Relative Poverty
投稿时间:2021-07-02  
DOI:
中文关键词:  数字普惠金融  相对贫困  收入不平等  家庭社会资本
英文关键词:digital inclusive finance  relative poverty  income inequality  family social capital
基金项目:国家社会科学基金项目(20CGL050)
作者单位
刘魏 重庆工商大学 长江上游经济研究中心 
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中文摘要:
      基于中国家庭追踪调查2014—2018年数据,从收入不平等视角考察了数字普惠金融对城乡居民相对贫困的影响及机制。研究发现,数字普惠金融指数每增加1%,居民发生相对贫困的概率降低32%,数字普惠金融有效缓解了个体的相对剥夺状况,原因在于数字普惠金融发展提高了家庭风险管理能力、缓解了融资约束、并促使家庭社会资本拓展。研究也发现,数字普惠金融对贫困的缓解效应也存在城乡群体和年龄群体的差异。因此,让数字赋能扶贫,是治理相对贫困的有效途径。
英文摘要:
      Based on the data of the China Family Panel Studies from 2014 to 2018, this paper examines the impact and mechanism of digital inclusive finance on the relative poverty of urban and rural residents from the perspective of income inequality. The study found that for every 1% increase in the digital inclusive finance index, the probability of relative poverty of residents decreases by 3.2%. Digital inclusive finance effectively alleviates the relative deprivation of individuals. The reason is that the development of digital inclusive finance improves household risk management capabilities, eases financing constraints and promotes the expansion of family social capital. However, the study also found that differences exist on the poverty alleviation effect between urban and rural groups and age groups. Therefore, enabling digital empowerment to alleviate poverty is an effective way to control relative poverty.
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