数字普惠金融、居民家庭收入与相对贫困缓解

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中图分类号：F222.34;F299.22文献标志码：A文章编号：1672-1012（2025）03-0041-10

Abstract：Building a high-quality digital inclusive finance system is a crucial measure to promote common prosperity among al residents in China. Based on theoretical analysis，this study empirically examined the impact of digital inclusive finance on household income and relative poverty using 2018 data from the China Family Panel Studies. The findings reveal that digital inclusive finance significantly increases household income while effectively alleviating relative poverty. It positively influences household income across all income groups，with the strongest effect observed in the lowest 25% income group. Significant positive impacts are identified in eastern and central regions，while effects in western regions remain statistically insignificant. Digital inclusive finance significantly boosts wage income， property income，and transfer income，but exerts a notable negative impact on business income.Mechanism analysis demonstrates that it alleviates relative poverty primarily through two channels ： directly enhancing financial accessbility and indirectly elevating regional economic growth levels.

Key words： digital inclusive finance；household income；relative poverty

家庭是否贫困与其家庭收入高低有直接关联。（剩余8931字）