Abstract: China aims to eliminate absolute poverty by the end of 2020, and then shift the focus of poverty alleviation to the solution of relative poverty. Based on the CHFS2017 data, this paper first sketches the relative poverty level of 153 cities above the prefectural level, and then uses the probit method to empirically study the mitigation effect of digital finance on relative poverty, and applies the mediating effect model to carry out a mechanism analysis. The results show that the proportion of Chinese residents in relative poverty is relatively high, and there is regional imbalance and urban-rural imbalance. The proportion of relative poverty in central and western regions is higher than that in eastern regions, and the proportion of relative poverty in rural areas is much higher than that in urban areas. Digital finance can significantly alleviate relative poverty, and its poverty reduction effect has regional differences and urban-rural differences. The mitigation effect of digital finance in central and western regions is higher than that in eastern regions, and the mitigation effect in rural areas is higher than that in urban areas. Digital finance can alleviate relative poverty by promoting entrepreneurship, easing credit constraints and mitigating agricultural risks.

Key words: Financial Poverty Alleviation, Digital Finance, Relative Poverty, Mediating Effect

摘要： 我国在2020年将消除绝对贫困,之后的扶贫工作重心将转向解决相对贫困。基于CHFS2017数据对153个地级以上城市的相对贫困水平进行刻画,在此基础上运用probit方法实证研究数字金融对相对贫困的减缓效应,并利用中介效应模型进行机制分析。研究发现:我国居民相对贫困比例较高,且存在着区域不均衡和城乡不均衡。中西部地区相对贫困比例高于东部地区,农村地区相对贫困比例远远高于城镇地区;数字金融能够明显减缓相对贫困,其减贫效应存在区域差异和城乡差异。数字金融对中西部地区的减缓效果要高于东部地区,对农村的减缓效果要高于城镇;数字金融可以通过促进居民创业、缓解信贷约束和化解农业风险来减缓相对贫困。

关键词: 金融扶贫, 数字金融, 相对贫困, 中介效应