晏正伟,劳伟健,韩雷,宋森安

• 1:中央财经大学经济学院
• 2:西南财经大学经济与管理研究院
• 3:湘潭大学商学院
• 4:西南财经大学公共管理学院

摘要(Abstract)：

数字金融对家庭经济活动产生了重要影响，但是鲜有学者关注到数字金融对家庭捐赠的影响。本文基于中国数字普惠金融发展指数和中国家庭追踪调查数据2014年、2016年和2018年三期面板数据，考察了数字金融发展对家庭捐赠的影响。研究发现，数字金融发展显著促进了家庭捐赠，并且这一结论经过工具变量法等一系列稳健性检验之后依然稳健。机制分析发现，数字金融发展主要通过支付便利、信息获取和社会互动三种机制促进了家庭捐赠。异质性分析发现，数字金融发展对农村地区、低人力资本、低物质资本和低社会资本家庭产生了更为显著的影响。本文结论为解释我国近年显著增加的慈善捐赠提供了新的视角，同时丰富了数字金融影响家庭经济活动和社会治理的研究文献。

关键词(KeyWords)： 数字金融;家庭捐赠;共同富裕

Abstract:

Keywords:

基金项目(Foundation): 国家社会科学基金重大招标项目“城乡融合与新发展格局战略联动的内在机理与实现路径研究”(项目编号:21&ZD085);国家社会科学基金重点项目“数字经济下就业极化的形成机理与治理对策研究”(项目编号:22AJL007);; 中央财经大学科教融合研究生学术新星孵化计划“方言与城市间贸易:基于文化和制度双重视角的解释”(项目编号:2024110)的资助

作者(Author): 晏正伟,劳伟健,韩雷,宋森安

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• (1)中国慈善联合会发布的《2019年度中国慈善捐助报告》显示,2019年全年,不含港澳台,中国接受款物捐赠共计1509.44亿元,这仅相当于当年中国GDP的0.15%。相比之下,美国施惠基金会发布的《2020美国捐赠报告》显示,2019年,美国个人、遗产捐赠、基金会和企业向慈善机构捐赠了约4496.4亿美元,占美国当年GDP的2.1%。 (2)由于户主性别会被家庭固定效应吸收;户主的年龄会被家庭和时间双向固定效应吸收。因此,在进行估计时,本文并没有控制户主的年龄和性别。 (3)这一结果的系数至少是张勋等(2019)系数的三倍,同时也和吴雨等(2020)的系数大致相同。 (4)为了避免家庭层面的遗漏变量,同样纳入了户主年龄和性别等变量。 (5)由于仅CFPS2018年有户主个人捐赠这一数据,本文使用截面数据进行检验。 (1)具体请参见《构建初次分配、再分配、第三次分配协调配套的制度体系》,网址为:http://www.moe.gov.cn/s78/A01/s4561/jgfwzx_xxtd/202301/t20230104_1038137.html。