本文利用我国31个省市2011-2020年统计数据,基于共同富裕内涵构建了共同富裕评价指标体系,并使用熵权法对其进行赋权和测度,实证分析了数字普惠金融对共同富裕的影响.实证结果表明,数字普惠金融促进了中国各省份共同富裕水平,且这种促进作用没有"马太效应",数字普惠金融对共同富裕水平越低的省份促进作用越强.机制分析表明,推动社会保障发展是数字普惠金融促进共同富裕的路径之一.本文的研究为各地政府制定相关政策发展数字普惠金融,完善社会保障并助力共同富裕提供了一定的依据.

This paper uses the data from the China Household Tracking Survey（CFPS） from 2014, 2016 and 2018 to explore the impact of new urbanization on micro-common prosperity of Chinese households. It is found that new-type urbanization effectively promotes common prosperity and has the most significant impact on the dimension of material affluence. From the perspective of the mechanism, new-type urbanization mainly affects common prosperity by promoting the development of digital inclusive finance, economic growth, consumption level and entrepreneurial activity. The heterogeneity analysis showed that the new urbanization had a promoting effect on the common prosperity of the eastern and western regions, but the effect on the central region was not significant. There is a “Matthew Effect” in new-type urbanization, which has a stronger effect on households with higher levels of common prosperity. This paper provides new ideas and policy directions for promoting common prosperity.

以商业银行为主体的间接融资仍是目前中国融资的主要形式,商业银行贷款结构不仅反映了信贷资产质量,还反映了金融市场的风险配置状况.数字金融的发展改变了商业银行信贷结构,影响了其风险承担.本文利用181家中国商业银行2011—2020年财务数据,分析数字金融对商业银行贷款结构的影响,以及数字金融与贷款结构的交互作用对商业银行风险承担的影响.实证表明,数字金融的发展从整体上促进了商业银行个人贷款业务,但对不同类型银行表现出异质性:数字金融对国有大型商业银行的个人贷款和信用贷款均有促进作用,但仅提高了股份制商业银行的个人贷款比例;而对城市商业银行而言,则促进了其个人贷款和短期贷款.数字金融具有放大银行风险承担的功能.随着数字金融的发展,个人贷款的升高会加大商业银行风险承担,而短期贷款的升高会减少商业银行风险承担.数字金融的发展能够促进银行业竞争,提升银行风险水平,但是银行业竞争减弱能够缓解数字金融对银行风险承担加重的影响.本文丰富了数字金融、贷款结构与商业银行风险承担的认识,为银行风险管理和监管政策制定提供了一定的参考.