方观富,高天天.数字普惠金融与农民工长期居留意愿[J].,2022,(4):34-46
数字普惠金融与农民工长期居留意愿
Impact and Mechanism of Inclusive Digital Finance on Residing Preference of Rural Migrant Workers
  
DOI:10.7671/j.issn.1672-0202.2022.04.004
中文关键词:  数字普惠金融  农民工  居留意愿  社会福利
英文关键词:inclusive digital finance  rural migrant workers  residency preference  social welfare
基金项目:国家自然科学基金青年项目(71803128)
作者单位
方观富 上海对外经贸大学 国际经贸学院,上海 20162 
高天天 上海对外经贸大学 国际经贸学院,上海 20162 
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中文摘要:
      利用 2011—2018年北京大学数字普惠金融指数、全国人口动态监测调查数据(CMDS)和中国城市统计年鉴,探究了数字普惠金融发展对农民工长期居留意愿的影响。实证结果发现,数字普惠金融会显著提高农民工对所在城市的长期居留意愿。机制分析表明:数字普惠金融通过促进城市内农民工的就业,增加农民工的小时工资,提高农民工的幸福感来增强农民工的长期居留意愿。进一步对农民工个体异质性分析发现:低受教育水平农民工的居留意愿更容易受到数字普惠金融发展状况的影响;数字普惠金融对男性和女性农民工的居留意愿的影响并没有明显区别。分析地区异质性发现,数字普惠金融显著地影响了东部地区的农民工居留意愿,但对中西部地区农民工的居留意愿的影响不明显。
英文摘要:
      This paper uses 2011-2018 Peking University Digital Financial Inclusive Index, National Population Dynamics Monitoring Survey Data (CMDS), and China City Statistical Yearbook to explore the impact of the development of inclusive digital finance on the residency preference of rural migrant workers. Empirical analysis indicates that inclusive digital finance significantly increased the residency preference of rural migrant workers. Mechanism studies show that increases in rural migrant workers’ employment, per-hour wage, and happiness were all potential channels. Further individual heterogeneity analysis suggests that migrant workers of low education level were more likely to be affected by the development of inclusive digital finance and that the effects of inclusive digital finance on male and female migrant workers’ residency preference were not significantly different. Regional heterogeneity analysis shows that inclusive digital finance significantly promoted the residency preference of migrant workers in the eastern region but did not promote the residency preference of the rural migrant workers in the central and western regions.
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