山东工商学院硕士学位论文
摘要
近年来，我国经济高速发展，居民收入水平不断提高。数字普惠金融在促进居民提
高收入，引导金融资源合理流动方面，发挥了重要作用。目前，我国数字普惠金融的发
展成果显著，了解具体数字普惠金融的各项指标对居民收入的影响，有助于把握下一步
推行数字普惠金融的工作重心。但是，在我国不同地区，金融资源分化的现象仍然存在。
我国东部地区与中西部地区仍然存在着较大的区域差距，城镇与乡村之间也存在的巨大
的收入鸿沟。而在我国的贫富差距中，区域差距和城乡差距长期占据着重要的研究地位。
了解数字普惠金融在我国各个地区的发展差异，分析数字普惠金融对城镇居民与农村居
民收入的助力，可以为我国下一步的金融产业布局提供助力，促进金融公平。同时，将
被调查者根据所从事的行业进行分类，了解在我国经济结构转型的关键时期，数字普惠
金融在个人收入层面，是否可以对我国的经济转型的助力。
本文利用中国家庭金融调查 2019年度数据库与北京大学数字金融中心编制的 2019
年数字普惠金融指数，从居民个体视角系统分析了数字普惠金融对居民收入水平的影响
效力。研究显示，数字普惠金融的推广，可以有效提升居民个体的收入水平。在作用居
民收入水平的因素中，数字普惠金融的覆盖广度对居民收入影响不显著，而使用深度和
数字化程度均对居民收入起到积极作用。并且，其作用机制部分表现为改善居民就业与
促进居民金融参与。异质性分析表明，数字普惠金融对东部地区居民收入水平与中西部
地区居民收入水平的作用效应存在显著差异，数字普惠金融及其二级指标对东部地区居
民收入的影响远高于对中西部地区居民收入的影响。在数字普惠金融的覆盖广度上，数
字普惠金融对东部地区居民收入水平有显著的促进作用，而对我国的中西部地区居民，
数字普惠金融覆盖广度对居民收入具有轻微的抑制性作用。数字普惠金融在对城镇居民
与农村居民的影响中，也存在类似的现象，数字普惠金融对城镇居民收入的促进作用也
远高于对农村居民收入的促进效应。在将被调查数据分为服务业家庭与非服务业家庭后
发现，数字普惠金融对服务业从业者的居民收入的影响显著大于对非服务居民收入的影
响，表明数字普惠金融的发展有利于引导我国经济结构转型。
关键词：数字普惠金融；居民收入；中介效应；城乡收入差距
I

Abstract
Abstract
In recent years, China’s economy has developed rapidly,and residents’ income has been
rising. Digital Inclusive Finance has played an important role in promoting people’s income
and guiding the rational flow of financial resources. At present, the development of Digital
Inclusive Finance in China has achieved remarkable results. Understanding the impact of
various indicators of specific Digital Inclusive Finance on residents’ income is helpful to
grasp the focus of the next implementation of Digital Inclusive Finance. However, in different
areas of our country, the phenomenon of financial resources differentiation still exists. For
example, there is still a large regional gap between the eastern region and the central and
western regions of our country, and there is also a huge income gap between towns and
villages. In the gap between the rich and the poor in China, the regional gap and the
urban-rural gap have long occupied an important research position.Understanding the
development differences of Digital Inclusive Finance in various regions of China and
analyzing the contribution of Digital Inclusive Finance to the income of urban and rural
residents can help China’s financial industry layout in the next step and promote financial
fairness. At the same time, the respondents are classified according to the industry they are
engaged in, so as to know whether Digital Inclusive Finance can contribute to China’s
economic transformation at the level of personal income in the critical period of China’s
economic restructuring.
This paper systematically analyzes the impact of Digital Inclusive Finance on residents’
income level from the perspective of individual residents by using the 2019 Database of
Chinese Household Finance Survey and the 2019 Digital Inclusive Finance Index compiled
by the Digital Finance Center of Peking University. Research shows that the promotion of
Digital Inclusive Finance can effectively improve the income level of individual residents.
Among the factors affecting residents’ income level, the coverage extent of Digital Inclusive
Finance has no significant impact on residents’ income, while the depth of use and degree of
digitalization both play a positive role on residents’ income. In addition, its mechanism is
partly reflected in improving residents’ employment and promoting residents’ financial
participation. Heterogeneity analysis shows that there are significant differences in the effect
of Digital Inclusive Finance on the income level of residents in eastern China and the income
level of residents in central and western China, and the impact of Digital Inclusive Finance
and its secondary indicators on the income of residents in eastern China is much higher than
that of residents in central and western China. In terms of the coverage of Digital Inclusive
I`I
。。。以下略