| At present,China has escaped from absolute poverty and entered a period of overall well-off.The basic poverty of "not having enough to eat and not having enough to wear" is a thing of the past.Now we should pay more attention to the problem of relative poverty caused by unbalanced and inadequate development.At the same time,people’s material needs and spiritual needs have become increasingly diverse,and it is no longer appropriate to continue to measure poverty with a single income dimension.Therefore,it is urgent to establish a poverty identification system that is more in line with people’s diverse needs.In addition,with the continuous development of digital technology and the increasing network coverage,digital inclusive finance,with digital technology empowerment as its key feature,further expands the development mode of traditional inclusive finance,and with the help of digital technology,it can play its unique role in poverty reduction in a more efficient and lower-cost way.Therefore,establishing a contemporary multidimensional relative poverty identification system,and studying the poverty reduction effect and mechanism of digital inclusive finance on this basis,on the one hand,can identify poor families in the new era more accurately,on the other hand,it can reasonably promote the development of digital inclusive finance,so that it can help alleviate multidimensional relative poverty and promote common prosperity in the new era more efficiently.However,at present,there are still some shortcomings in the construction of multi-dimensional relative poverty system and the identification of multidimensional relative poverty families,or in the poverty reduction effect brought by the development of digital inclusive finance.First,in the process of establishing a multi-dimensional poverty system,the empowerment method has not been completely unified,which makes some poor families,especially those who are relatively poor in average income,excluded from the multi-dimensional poverty measurement system,which will lead to deviations in the implementation of subsequent policies;Second,because of the digital characteristics of digital inclusive finance,families who can’t effectively use the Internet and obtain Internetrelated information can’t fully enjoy the dividends brought by the development of digital inclusive finance,and then there are differences among different families,which makes the goal of inclusiveness impossible to achieve.Based on the above background,this paper takes the multi-dimensional perspective as the breakthrough point,and adopts the methods of literature comprehensive analysis,theoretical analysis and empirical test,and comparative analysis.Based on Marx’s anti-poverty theory,common prosperity thought,China’s anti-poverty theory,feasible ability theory,Marx’s capital circulation theory,financial exclusion and inclusive growth theory,it is analyzed that digital inclusive finance can alleviate the multi-dimensional relative poverty of families,and three poverty reduction mechanisms of family credit capacity,human capital and social relations,as well as digital inclusive finance’s poverty reduction are analyzed theoretically.Then,taking the micro-families surveyed in CFPS as an example,the multi-dimensional relative poverty identification framework of "income+other dimensions" is constructed,and the incidence of multi-dimensional relative poverty in Chinese families is calculated.Based on the calculated results,the panel Probit model is used to study the effect of digital inclusive finance in alleviating multidimensional relative poverty.By testing the endogeneity and robustness of the original model,the effectiveness of the benchmark regression results is proved.Then,the heterogeneity caused by the digital usage gap,the region and the difference of financial development level is verified.Finally,by constructing an intermediary model,the intermediary role of credit capacity,human capital and social relations in the process of poverty reduction in digital inclusive finance is tested.The empirical results show that:(1)On the whole,the development of digital inclusive finance can effectively inhibit the occurrence of multi-dimensional relative poverty of Chinese families,and the poverty reduction effect is more obvious for families with smaller digital use gap and families in rural areas,central and western regions and areas with low financial development level;(2)Digital inclusive finance can alleviate multidimensional relative poverty by improving credit capacity,increasing human capital and social relations.Finally,according to the relevant results of empirical analysis,the corresponding policy suggestions are put forward.In order to continue to develop digital inclusive finance in a balanced way,we should continue to improve the construction of digital infrastructure,at the same time introduce and optimize relevant talent and industrial policies,and actively learn from the development experience of developed regions in order to narrow the development gap of digital inclusive finance in various regions;In order to alleviate the financial constraints caused by information asymmetry,we should broaden the sources of credit data and speed up the establishment of a modern credit evaluation system;In order to alleviate people’s self-exclusion,financial propaganda and digital education should be strengthened for poor and vulnerable groups;In order to guard against all kinds of risks in the development of digital inclusive finance,we should constantly improve the financial supervision system and let the system go ahead. |
