摘要
发挥数字普惠金融的作用,解决农村金融难题,促进农民增收,对实现全体人民共同富裕具有重要意义。理论机制表明,数字普惠金融可以通过激发农村居民的创业与就业增收效应促进共同富裕。利用2011—2020年31个省份农村面板数据,构建中介效应模型进行验证,实证结果是:数字普惠金融能够显著推进共同富裕且通过农村创业与就业的路径机制显著存在;在分维度分析中,数字普惠金融覆盖广度与使用深度的影响效应与路径皆显著,其中数字普惠金融使用深度的效果更佳。因此,要重视数字普惠金融政策的区域城乡差异化布局,加强农村数字化建设,优化创业就业环境,改善农民生活,助力共同富裕。
Giving full play to the role of digital inclusive finance to solve rural financial problems and promote farmers’income is important to achieve common prosperity for all people.The theoretical mechanism suggests that digital inclusive finance can promote common prosperity by stimulating the effect of entrepreneurship and employment to increase the income of rural residents.The panel data of rural areas in 31 provinces from 2011 to 2020 were used to construct a mediating effect model for verification.The empirical results show that digital inclusive finance can significantly promote the common prosperity and the path mechanism of rural entrepreneurship and employment exists significantly;in the sub-dimensional analysis,the effects and paths of the breadth of digital inclusive finance coverage and the depth of use are both significant,and the depth of use of digital inclusive finance is more effective.Therefore,we should pay attention to the regional urban-rural differentiated layout of digital inclusive financial policies,strengthen the digital construction of rural areas,optimize the entrepreneurial and employment environment,improve farmers’lives,and help common prosperity.
作者
纪明
曾曦昊
陈王豪
JI Ming;ZENG Xihao;CHEN Wanghao(College of Economics and Management,Nanning Normal University,Nanning,Guangxi 530001,China;College of Marxism,Nanning Normal University,Nanning,Guangxi 530001,China)
出处
《金融教育研究》
2022年第5期3-13,共11页
Research of Finance and Education
基金
国家社会科学基金项目“中国南部陆地边境地区相对贫困治理的实地实验研究”(20BJL087)
教育部人文社科基金资助项目“乡村振兴背景下壮族集中聚居区新型城镇化产业支撑的机制及路径研究”(18XJA790007)
2021年广西研究生教育创新计划项目“广西边境地区相对贫困治理问题研究”(YCSW2021263)。
关键词
数字普惠金融
创业与就业
异质性
共同富裕
长效机制
Digital inclusive finance
Entrepreneurship and employment
Heterogeneity
Common prosperity
Long-term mechanism
