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| 文章编号：1672-3104(2024)03-0099-14 |
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数字金融发展对农户收入不平等的影响研究——基于市场化水平调节作用的分析 |
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谢家智1, 2，朱森林2，王永綦1 |
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（1. 贵州工程应用技术学院贯彻新发展理念毕节示范区研究中心，贵州毕节，551700；
2. 西南大学经济管理学院，重庆，400715） |
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| 摘 要： 数字金融发展为降低农户收入不平等提供了新的契机。基于中国劳动力动态调查(CLDS)数据，构建数字金融发展、市场化水平影响农户收入不平等的理论分析框架，实证研究了数字金融发展对农户收入不平等的影响。研究发现：数字金融发展能显著抑制农户收入不平等，市场化总水平及政府与市场的关系、非国有经济的发展、产品市场的发育程度以及要素市场的发育程度等市场化子维度能显著强化数字金融对农户收入不平等的抑制作用。进一步分析表明，数字金融覆盖广度和使用深度对农户收入不平等的抑制作用略强于数字化水平，数字金融发展对农户收入不平等的抑制作用在中西部地区更为显著，并且市场化总水平也能显著强化数字金融覆盖广度、使用深度和数字化水平对农户收入不平等的抑制作用。研究结论为农户收入不平等问题研究提供了新的视角和经验证据。 |
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| 关键词： 数字金融；市场化水平；农户收入不平等；共同富裕 |
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Research on the impact of digital finance development on farmers' income inequality: Analysis based on the adjusting role of marketization level |
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XIE Jiazhi1, 2, ZHU Senlin2, WANG Yongqi1 |
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（1. Bijie Demonstration Zone Research Center of Implementing the New Development Concept, Guizhou University of Engineering Science, Bijie 551700, China;
2. College of Economics and Management, Southwest University, Chongqing 400715, China） |
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| Abstract: The development of digital finance provides a new opportunity to reduce the income inequality of farmers. This paper, by constructing a theoretical analysis framework of the impact of digital finance development and marketization level on rural household income inequality, and based on the data of China Labor Dynamics Survey (CLDS), empirically studies the impact of digital finance development on rural household income inequality. The research finds that the development of digital finance can significantly inhibit the income inequality of rural households, and the marketization sub-dimensions such as the overall level of marketization, the relationship between government and market, the development of non-state-owned economy, the development degree of product market and the development degree of factor market, can all significantly strengthen the inhibitory effect of digital finance on the income inequality of rural households. Further analysis shows that the coverage breadth and use depth of digital finance have a slightly stronger inhibitory effect on rural household income inequality than the digital level, and the development of digital finance has a more significant inhibitory effect on rural household income inequality in the central and western regions. Moreover, the overall level of marketization can also significantly strengthen the inhibitory effect of digital finance coverage, usage depth, and digitalization level on income inequality among farmers. The research conclusion provides a new research perspective and empirical evidence for alleviating the income inequality of peasant households. |
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Key words: digital finance; marketization level; rural household income inequality; common prosperity |
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