数字金融包容和福利:影响,机制和不平衡
1School of Economics, University of Chinese Academy of Social Sciences, Beijing, Beijing, China.
PloS one
|December 11, 2023
概括
数字金融包容性显著提高了中国各地居民的福利,提高了收入,就业等. 虽然它减少了地区福利差异,但它的机制可以悖论地扩大中西部和东部之间的差距.
科学领域:
- 经济学 经济学 经济学
- 社会科学 社会科学 社会科学
- 区域研究 地区研究
背景情况:
- 使用了来自中国 (2013-2019) 的省级小组数据.
- 福利是用收入,就业,住房,教育和医疗保健指数来衡量的.
- 变化系数方法用于衡量福利指数.
研究的目的:
- 测量中国的省级福利指数.
- 检查数字金融包容对福利的影响和机制.
- 评估数字金融包容对福利失衡的影响.
主要方法:
- 使用面板数据模型和RIF回归.
- 仪器变量估计和替代福利测量方法证实了稳健性.
- 对区域差异和影响机制进行分析.
主要成果:
- 数字金融包容是改善收入,就业,住房,教育和医疗保健福利的关键驱动力.
- 数字金融包容性为中国中西部地区的福利做出了更大的贡献.
- 这些机制涉及创造就业机会和增加福利支出,中西部地区的作用更大.
- 数字金融包容性减少了地区 (中西部/东部) 之间和地区 (中西部/西部) 内的福利不平衡.
结论:
- 数字金融包容是改善中国居民福利的重要积极力量.
- 在促进整体福利的同时,数字金融包容机制可能会加剧区域不平衡.
- 可能需要有针对性的政策来缓解对福利差异的潜在负面影响.
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