数字普惠金融调节城乡居民福利差异效率及影响因素研究--基于DEA-Malmquist-Tobit模型

基于DEA-Malmquist-Tobit模型,对2011—2018年我国31个省份的数字普惠金融调节城乡居民福利差异效率展开静态和动态分析,并进一步探究影响数字普惠金融调节城乡居民福利差异效率的主要影响因素。结果表明,数字普惠金融调节城乡居民福利差异效率较高,但是全要素生产率呈下降趋势,主要源于技术进步的制约;经济发展水平、产业结构、财政支出水平、互联网普及率与数字普惠金融调节城乡居民福利差异效率呈显著正相关关系,对外贸易开放程度、传统金融发展水平与数字普惠金融调节城乡居民福利效率呈显著负相关关系。在此基础上,提出加强数字普惠金融技术创新、合理配置数字普惠金融资源、政府适当加大扶持力度、优化产业结构、提高互联网普及率等建议。

Research on Efficiency and Influencing Factors of Digital Inclusive Finance in Regulating the Welfare Difference Between Urban and Rural Residents:Based on DEA-Malmquist-Tobit Model

Based on DEA Malmquist Tobit model,this paper makes a static and dynamic analysis on the efficiency of digital Inclusive Finance in adjusting the welfare difference between urban and rural residents in 31 provinces(cities)of China from 2011 to 2018,and further explores the main factors influencing the efficiency of digital Inclusive Finance in adjusting the welfare difference between urban and rural residents.The results show that the efficiency of digital Inclusive Finance in adjusting the welfare differences between urban and rural residents is high,but the total factor productivity shows a downward trend,mainly due to the constraints of technological progress.Economic development level,industrial structure,financial expenditure level,Internet penetration rate and the efficiency of digital Inclusive Finance in regulating the welfare differences between urban and rural residents are significantly positively correlated,while the degree of foreign trade openness and the development level of traditional finance are significantly negatively correlated with the efficiency of digital Inclusive Finance.On this basis,the paper puts forward some suggestions,such as strengthening the technological innovation of digital Inclusive Finance,rationally allocating digital inclusive financial resources,appropriately increasing government support,optimizing the industrial structure,and improving the Internet penetration rate.