数字普惠金融减缓相对贫困的效率研究

数字普惠金融是传统普惠金融的持续深化,是减缓相对贫困的重要支撑力量。本文采用DEA-Tobit模型,利用2011—2018年我国31个省市数字普惠金融和相对贫困等数据,测算了数字普惠金融减缓相对贫困的效率与影响因素。研究结果表明:我国数字普惠金融减缓相对贫困的效率偏低且区域差异大,其中规模效率是西部地区综合效率较低的最主要原因,数字普惠金融减缓相对贫困存在较大的发展潜力;数字普惠金融减贫生产率指数变动主要受技术进步变动影响。在影响因素方面,金融中介效率、产业结构与财政自给率的提高与优化有利于提高数字普惠金融减贫效率;而金融发展规模的扩大会阻碍数字普惠金融减贫效率的提高。

Research on the Efficiency of Digital Inclusive Finance in Alleviating Relative Poverty

Digital inclusive finance is the continuous deepening of traditional inclusive finance and it is an important supporting force to alleviate relative poverty.In this paper,DEA-Tobit model is utilized to measure the efficiency and influencing factors of digital inclusive finance in alleviating relative poverty by using the data of 31 provinces and cities in China from 2011 to 2018.The results show that:the efficiency of China's digital inclusive finance in alleviating relative poverty is low while the regional differences are large,among which scale efficiency is the main reason for the low comprehensive efficiency of western regions,and there is a great development potential for digital inclusive finance to alleviate relative poverty;the change of productivity index of digital inclusive finance is mainly affected by the change of technological progress.In terms of the influencing factors,the improvement and optimization of financial intermediation efficiency,industrial structure and financial self-sufficiency rate are conducive to improving the efficiency of digital inclusive finance in poverty reduction;while the expansion of financial development scale will hinder the improvement of poverty reduction efficiency of digital inclusive finance.