数字金融与家庭共同富裕——基于CHFS2019的实证分析
Digital Finance and Common Prosperity for Family—Based on the Empirical Analysis of CHFS2019

脱贫攻坚取得的胜利使得我国城乡居民收入日渐增长，在此过程中，随着我国数字金融市场不断完善，其发展对提高居民收入、实现共同富裕的影响成为学术界关注的重要议题。特别是在面对城乡居民收入差异的现实背景下，数字金融发展对城乡共同富裕建设进程影响需要被重点审视。基于此，本文以CHFS2019数据为研究样本，运用中介效应模型对全国31,750户家庭数字金融与共同富裕的关系进行实证检验，结果表明：数字金融能够加快实现共同富裕的步伐，并且这种推动作用是通过促进生产性投资、信贷机制、金融资产配置以及家庭创业的中介传导路径来实现的。为此，提出要重视数字金融的城乡布局，加强数字化建设，优化数字金融内容体系，加强数字监管体系，从而实现共同富裕。
The victory of poverty alleviation in China has led to the increasing income of urban and rural residents. In the process, as China’s digital financial market continues to improve, the impact of its development on improving residents’ income and achieving common prosperity has become an important issue of academic concern. In particular, the impact of digital finance development on the process of building common prosperity in urban and rural areas needs to be examined in the context of the income disparity between urban and rural residents. Based on this, this paper empirically examines the relationship between digital finance and common prosperity in 31,750 house-holds nationwide using CHFS2019 data as the research sample, and the results show that digital finance can accelerate the pace of achieving common prosperity, and this promotion effect is achieved through the mediated transmission path of promoting productive investment, credit mechanism, financial asset allocation and household entrepreneurship. The results show that digital finance can accelerate the pace of shared prosperity, and that this boost is achieved through mediated transmission paths that promote productive investment, credit facilities, financial asset allocation, and household entrepreneurship. For this reason, it is proposed to pay attention to the urban and rural layout of digital finance, strengthen digital construction, optimize the digital financial content system, and strengthen the digital regulatory system, so as to achieve common prosperity.