摘要
运用2017年CGSS(中国综合社会调查)数据,采用Ordered Probit模型实证检验数字普惠金融对居民幸福感的影响,并进一步探寻其影响的边际效应以及对不同居民群体影响的异质性。研究结果显示:数字普惠金融能有效提升居民幸福感,这一点在依据地域、城乡与受教育水平所划分出的不同群体中皆成立,且通过了内生性与稳健性检验;边际分析表明,在数字普惠金融的作用下居民有更大概率感到"比较幸福"与"非常幸福",而其他级别幸福感的概率有所降低;异质性分析发现,数字普惠金融对于中西部地区、乡村地区以及高学历居民幸福感的提升作用更大。根据以上结论,以提升居民幸福感为目标,在完善数字普惠金融发展方面提出具体建议。
Based on the data of CGSS(Chinese General Social Survey)in 2017,this paper uses the Ordered Probit model to empirically test the impact of digital Inclusive Finance on Residents’well-being.Furthermore,the paper explores the marginal effect of the impact and the heterogeneity of the impact on different groups of residents.The results show that:Digital inclusive finance can effectively improve the well-being of residents,which is true in different groups divided by region,urban and rural areas and education level,and has passed the endogeneity and robustness test;Marginal analysis shows that under the effect of digital Inclusive Finance,residents are more likely to feel“relatively happy”and“very happy”,while the probability of other levels of happiness is lower;Heterogeneity analysis shows that digital Inclusive Finance has a greater effect on improving the well-being of Midwest,rural areas and highly educated residents.According to the above conclusions,in order to improve the well-being of residents as the goal,the paper put forward relevant suggestions in improving the development of digital Inclusive Finance.
作者
张雪林
梅晓妮
Zhang Xuelin;Mei Xiaoni(Kashgar Central Sub-branch,the People's Bank of China)
出处
《金融发展评论》
2021年第6期41-55,共15页
Financial Development Review
关键词
数字普惠金融
居民幸福感
均衡发展
Digital Inclusive Finance
Residents’ Well-being
Balanced Development
