【摘要】 本文利用2013—2019年73个国家(地区)的面板数据，实证检验了金融科技发展对收入分配的影响，并以金融包容性为切入点，厘清了金融科技发展对收入分配的影响机制。研究表明：(1)金融科技发展有助于缩小收入差距，金融科技人均信贷规模上升对基尼系数具有显著的抑制作用；(2)金融科技发展对收入不平等的直接影响体现为改变低收入群体和高收入群体的收入份额占比，对最低收入和最高收入群体影响最大；(3)金融可得性、利用率和渗透率在金融科技与基尼系数的关系中均发挥了完全中介效应，同时在金融科技发展对最低20%群体收入份额的关系中发挥了遮掩效应。本文实证结果表明，通过进一步发展金融科技提高金融包容性，进而缩小收入分配差距，是实现共同富裕的有效途径。更多还原

【Abstract】 Using panel data of 73 countries(regions) from 2013-2019, this paper empirically examines the impact of Fintech development on income distribution and takes financial inclusion as an entry point to clarify the mechanism of Fintech’s impact on income distribution. The study shows that:(1) Fintech development helps to narrow the income gap, and the rise in the per capita credit size of Fintech has a significant inhibitory effect on the Gini coefficient;(2) The direct impact of Fintech on income inequality is reflected in changing the income share of low-income groups and high-income groups, with the greatest impact on the lowest and highest income groups;(3) Financial availability, usage rate and penetration rate play a significant role and they all play a full intermediary effect in the relationship between Fintech and the Gini coefficient, while they play a masking effect in the relationship between Fintech and the income share of the lowest 20% group. The empirical results of this paper suggest that improving financial inclusion through further development of Fintech and thus narrowing the income distribution gap is an effective way to achieve common wealth.更多还原