数字普惠金融对微观个体的异质性影响
The Heterogeneity Effect of Digital Financial Inclusion on Micro Individuals

近年来，数字普惠金融取得长足进步，但仍面临着诸多问题和挑战。本研究旨在深入探讨数字普惠金融在微观个体层面的异质性影响，以评估其在不同背景下的普惠性和公平性。本文为揭示数字普惠金融在年龄、教育、收入和地域背景下对个体的异质性影响，利用问卷调查方法对数字普惠金融在微观层面的表现和影响进行了描述性统计分析，并进行了交叉分析，以北京大学数字普惠金融指数(2021)为解释变量，解释个体使用金融工具的异质性，研究不同性别、年龄、学历和地域对数字普惠金融工具的使用情况，数字普惠金融对不同学历、城乡地区的人群影响相对较大。最后，结合分析结果提出了相应的建议，包括政府加强金融知识普及、金融机构开发贴近民生需求的金融产品，以及个人自我提升金融素养等方面的建议。
In recent years, digital financial inclusion has made great progress, but it still faces many problems and challenges. This study aims to explore the heterogeneity of digital financial inclusion at the micro individual level in order to assess its inclusion and equity in different contexts. In order to reveal the heterogeneity effect of digital financial inclusion on individuals under the background of age, education, income and region, this paper makes a descriptive statistical analysis of the performance and impact of digital financial inclusion at the micro level by using the questionnaire survey method, and carries out cross-analysis, taking the Peking University Digital Financial Inclusion Financial Index (2021) as the explanatory variable. To explain the heterogeneity of individual use of financial instruments, and study the use of digital inclusive financial instruments by different genders, ages, educational backgrounds and regions, digital inclusive financial services have a relatively large impact on people with different educational backgrounds and in urban and rural areas. Finally, based on the analysis results, the author puts forward corresponding suggestions, including the government to strengthen the popularization of financial knowledge, financial institutions to develop financial products close to the needs of people’s livelihood, and individuals to improve their financial literacy.