首都经济贸易大学学报2025，Vol.27Issue(2)：31-45,15.DOI:10.13504/j.cnki.issn1008-2700.2025.02.003
共同富裕背景下数字普惠金融能否促进代际收入流动?
Does Digital Financial Inclusion Promote Intergenerational Income Mobility Against the Background of Common Prosperity?
摘要
Abstract
Intergenerational income mobility,an indicator reflecting the degree of fairness in economic oppor-tunities within society,refers to the transmission of income from parents to offspring.Lower intergenerational in-come mobility infers an ossification of social structure and may induce persistent inequality in development opportu-nities and income levels among social members,potentially leading to long-term stagnation of economic growth.This paper systematically examines the impact and mechanism of digital financial inclusion on intergenerational in-come mobility using the data from the 2013 and 2018 Chinese Household Income Project Survey.This paper con-tributes to a comprehensive and systematic assessment of the economic effects of digital finance and holds significant theoretical and practical implications for exploring a new development paradigm that enhances the integration of dig-ital technology and finance. The results indicate that digital financial inclusion significantly reduces intergenerational income elasticity,helping eliminate intergenerational solidification and promoting common prosperity.From the perspective of driving factors,digital financial inclusion improves income mobility by promoting upward mobility in occupation.From the perspective of composition decomposition,enhancements in coverage breadth,usage depth,and digitization of dig-ital finance all contribute to promoting intergenerational income mobility,with the impact of coverage breadth being more pronounced.Digital financial inclusion can significantly promote income mobility in rural,low-income,and less-educated families.However,the promoting effect is mainly reflected in male offspring,which may further ex-acerbate the existing gender gap.Further analyses show that digital financial inclusion significantly facilitates the upward mobility of intergenerational income,particularly in rural families,and substantially increases the likelihood of rural households joining the middle and high-income strata,thereby narrowing the income gap between urban and rural areas and promoting common prosperity. This paper makes the following contributions.First,it extends the impact of digital financial inclusion to inter-generational income mobility,paying particular attention to the indirect benefits and long-term effects brought by digital financial inclusion,which provides important empirical evidence for promoting high-quality economic devel-opment with digital finance as a leverage point.Second,it explores the mechanisms from the perspectives of driving factors and compositional decomposition,and analyzes the differences in the effects among different households,thereby revealing potential limitations.Third,it further explores the impact from the perspective of intergenerational income flow direction and the urban-rural income gap.关键词
共同富裕/数字普惠金融/代际收入流动/职业向上流动/城乡收入差距Key words
common prosperity/digital financial inclusion/intergenerational income mobility/upward mobili-ty in occupation/urban-rural income gap分类
管理科学引用本文复制引用
谷均怡,李熠璇,赵心慧..共同富裕背景下数字普惠金融能否促进代际收入流动?[J].首都经济贸易大学学报,2025,27(2):31-45,15.基金项目
国家社会科学基金重点项目"工业智能化应用对我国贸易高质量发展的影响研究"(22AJL012) （22AJL012）
北京市社会科学基金青年项目"北京市家庭教育对子女人力资本发展的影响及其质量提升路径研究"(23JYC014) （23JYC014）
国际关系学院中央高校基本科研业务费专项资金资助项目"统筹发展和安全的经济学分析:约束条件、分析框架和实现路径"(3262024T05) （3262024T05）
