摘要
数字普惠金融发展促进农民增收,对实现乡村振兴具有重要意义。运用2011―2020年面板数据,实证检验数字普惠金融对农民增收的影响及作用机制。研究表明:(1)从空间作用来看,数字普惠金融对本地区作用明显,而对周边地区农民增收的影响还未显现;(2)从直接和间接作用来看,数字普惠金融发展可直接促进农民增收,并通过促进农村经济增长,实现农民增收;(3)数字普惠金融对农民收入结构也具有显著影响,农民收入多元化,进而带动农民收入总量的增长。为更好地实现普惠金融在农村地区的发展,应完善金融基础设施,提高金融服务水平,加强区域间合作,进一步扩大农民增收范围,推动共同富裕。
The development of digital inclusive finance can increase farmers′ income and is of great significance to rural revitalization.Using panel data from 2011 to 2020,this paper empirically examines the impact and mechanism of digital financial inclusion on farmers′ income increase.The results show that:(1)From the perspective of spatial effect, digital inclusive finance has an obvious effect on the region, but the increase of farmers′ income in the surrounding areas has not yet appeared;(2)From the perspective of direct and indirect effects, the development of digital inclusive finance can directly promote the increase of farmers′ income, and realize the increase of farmers′ income by promoting rural economic growth;(3)Digital inclusive finance also has a significant impact on the income structure of farmers.The diversification of farmers′ income further drives the growth of the total income of farmers.In order to better realize the development of inclusive finance in rural areas, suggestions were put forward to improve financial infrastructure, improve financial services and strengthen inter-regional cooperation, so as to further expand the scope of farmers′ income and promote common prosperity.
作者
陈杨
郭庆然
CHEN Yang;GUO Qingran(Fujian Normal University,Fuzhou 350117,China;Xinjiang University,Urumqi 830046,China)
出处
《河南科技学院学报（社会科学版）》
2023年第3期41-48,共8页
Journal of Henan Institute of Science and Technology
基金
国家社会科学基金项目“双重异质性下数字技术创新驱动文化产业转型升级的机理与路径研究”(21BJL113),主持人:张宝英
2022年新疆社会科学项目“产业结构扭曲对新疆能源强度影响的经济史研究(1949―2020)”(22BJL017),主持人:郭庆然。
关键词
数字普惠金融
农民增收
收入结构
digital inclusive finance
increasing farmers′income
income structure
