|Table of Contents|

Heterogeneous influence of digital inclusive finance on the income of urban and rural residents(PDF)

《长安大学学报（社科版）》[ISSN:1671-6248/CN:61-1391/C]

Issue:
2022年02期
Page:
45-56
Research Field:
经济学
Publishing date:
2022-05-20

Info

Title:
Heterogeneous influence of digital inclusive finance on the income of urban and rural residents
Author(s):
ZHOU Caiyun;  DENG Yang
(School of Economics and Management, East China Jiaotong University,Nanchang 330013, Jiangxi, China)
Keywords:
digital inclusive finance;  digital technology;  digital economy;  income of urban and rural residents;  inclusive finance;  digital infrastructure;  financial regulation
PACS:
F49; F832; F124.7
DOI:
-
Abstract:
On account of whether digital inclusive finance can effectively improve the income and happiness of China's urban and rural residents, this paper selects the Internet penetration rate at the provincial level as the instrumental variable, and empirically analyzes the heterogenous influence and intermediary effect of digital inclusive finance on the income of urban and rural residents, on the basis of China's panel data of 31 provinces, autonomous regions and municipalities directly under the central government of the second phase of the “Beijing University Digital Inclusive Financial Index” in 2011-2018. The results show that digital inclusive finance can significantly improve the income of urban and rural residents in China, and the enhancing effect of digital inclusive finance on the income of rural residents is greater than on that of urban residents. Digital inclusive finance indirectly increases the income of urban and rural residents through economic development and employment promotion. Regional development disparities and urbanization development level play a heterogeneous role in the impact of digital inclusive finance on the income of urban and rural residents. Therefore, it is necessary to accelerate the construction of digital infrastructure in less developed areas and improve the utilization efficiency of digital inclusive finance; to guide digital inclusive finance to better support and serve the real economy, and use Internet platforms to boost entrepreneurship and employment; to increase the cultivation and support of financial knowledge and financial literacy in less developed areas, and give full play to the promotion effect of digital inclusive finance; to further innovate and improve the financial regulatory system and mechanism, improve the financial laws and regulations system, and provide a sound development environment and institutional guarantee for the sustainable development of digital inclusive finance.

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Last Update: 2022-05-20