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本文基于2005—2014年的省级面板数据,测算了各省(直辖市、自治区)的普惠金融指数,并在此基础上使用面板回归模型实证检验了普惠金融政策对城乡收入差距的影响。研究表明:从全国层面看,普惠金融的发展有助于缩小城乡收入差距;从区域层面看,各区域普惠金融的发展对缩小城乡收入差距存在临界点效应,东部地区的普惠金融发展水平较高,对缩小城乡收入差距的影响明显,而中西部普惠金融发展水平相对较低,对缩小城乡收入差距的效果相对较弱。最后,针对如何缩小城乡收入差距,本文从普惠金融视角提出了相关的政策建议。
Based on provincial panel data from 2005 to 2014, this paper estimates the inclusive financial index of all provinces (municipalities and autonomous regions) and uses the panel regression model to test the impact of inclusive financial policies on the income gap between urban and rural areas. The results show that: from a national perspective, the development of inclusive finance can help narrow the income gap between urban and rural areas. From a regional perspective, the development of inclusive finance in all regions has a critical effect on narrowing the income gap between urban and rural areas. The development of inclusive finance in the eastern region The higher level has a significant impact on narrowing the income gap between urban and rural areas. However, the development level of inclusive finance in the central and western regions is relatively low, and the effect on narrowing the income gap between urban and rural areas is relatively weak. Finally, in view of how to narrow the income gap between urban and rural areas, this paper puts forward relevant policy suggestions from the perspective of inclusive finance.