数字金融能力与相对贫困*

本文定义了“数字金融能力”并对其进行了理论分析，检验了数字金融能力减少相对贫困的效应和作用渠道。采用中国家庭金融调查数据进行检验的结果表明，在处理内生性问题的前提下，数字能力和金融能力均显著地减少相对贫困发生概率。交互效应显示，在相对贫困样本分布越多的能力水平上，数字能力和金融能力减贫的概率越大。这种交互特征将有助于缩小贫富差距。在数字金融能力减少相对贫困发生概率的机制方面，提升收入、促进财富积累、缓解流动性约束、影响购物渠道四个中介渠道的贡献比例差异值得特别关注。致力于乡村振兴、促进共同富裕的政策应重视提升相对贫困群体不同层次的数字金融能力。

DIGITAL FINANCIAL CAPABILITY AND RELATIVE POVERTY#br#

This paper defines “digital financial capability” and tests its impact on reducing relative poverty as well as corresponding function channels. Utilizing the China Household Finance Survey data, the empirical results show that, both digital capability and financial capability significantly reduce the probability of relative poverty under the premise of dealing with endogeneity. Regarding interaction effect, the conditional marginal effects of digital capability and financial capability show greater po verty reduction probability at capability levels with more relatively poor observations, which would help narrow the gap between the rich and the poor. The results show that digital financial capability also significantly reduces the probability of relative poverty, and it is worthy of special attention to the different proportions contributed by four function channels including increasing income, promoting wealth accumulation, easing liquidity constraints and influencing shopping channels. Policies committed to rural revitalization and ameliorating the uneven development should pay attention to improving different levels of digital financial capability of the relatively poor.