Analysis of the Impact of Digital Inclusive Finance on the Income Gap between Urban and Rural Residents

Lu Yan

《Frontiers in Economics and Management》 3卷8期 (2022/08) Pp. 605-612

https://doi.org/10.6981/FEM.202208_3(8).0083

摘要

Digital Inclusive Finance was born by the combination of digital technology and Inclusive Finance. Its digitalization and inclusive nature not only broke through the limitations of geography and time, made it easier for finance to enter rural areas, alleviated rural financial exclusion, but also reduced the cost of financial services, improved information asymmetry, and reduced the threshold effect, alleviate the exclusion effect and give play to the indirect poverty reduction effect to narrow the urban-rural income gap. Through the analysis of the relevant theoretical basis and mechanism, this paper studies the impact of digital Inclusive Finance on the urban-rural income gap. Research shows that the development of digital inclusive finance can narrow the income gap between urban and rural residents through a variety of ways. Therefore, China should establish the development strategy and general idea of digital Inclusive Finance, reshape the development path, create a digital inclusive finance ecosystem with multi-party cooperation and mutual support, and actively play the joint role of other factors and digital Inclusive Finance, so as to promote the development of digital Inclusive Finance and narrow the income gap between urban and rural areas.

關鍵字

Digital Inclusive Finance ； Urban-Rural Income Gap ； Threshold Effect ； Exclusion Effect ； Indirect Poverty Reduction Effect

參考文獻

Bruhn M, Love I. The Real Impact of Improved Access to Finance: Evidence from Mexico[J]. Journal of Finance, 2014,69(3):1347-1376.

Rm A ,Pk B . Availability of financial services and income inequality: The evidence from many countries[J]. Emerging Markets Review, 2010, 11 ( 4):404-408.

Li Tao, Yang Shenglan. Inclusive Finance for poverty reduction: research hotspots and future prospects [j]Accounting monthly, 2021, (22): 130-136.

Zhang Ping, Vigorously develop microfinance and promote the construction of China's inclusive financial system [j]Productivity research, 2011, (05): 51-52.

Zhou Li, Liao Jinglin, Zhang HaoDigital Inclusive Finance, credit availability and residents' Poverty Alleviation -- Micro Evidence from Chinese household surveys [j]Economic science, 2021, (01): 145-157.