摘要
近年来,随着农村互联网加速普及,越来越多的农村居民开始利用数字普惠金融服务来缓解家庭信贷约束,这对农村居民的相对贫困产生了重要影响。本文利用2018年中国家庭追踪调查(CFPS)数据,将互联网、数字普惠金融和农村居民相对贫困纳入同一框架下进行研究。分析结果发现:首先,互联网发展有助于推动农村数字普惠金融的普及,数字普惠金融可以有效缓解农村居民相对贫困;其次,互联网可以通过数字普惠金融缓解农村居民相对贫困,且研究结论具有稳健性;最后,互联网的减贫效应存在地区和年龄差异性,互联网对西部地区和青年人的相对贫困缓解效应更强。基于上述研究结论,本文从加快数字乡村网络基础设施建设、加强数字普惠金融知识宣传和改善相对贫困群体生产生活条件等方面提出缓解农村居民相对贫困的对策建议。
In recent years,with the accelerated spread of the Internet in rural areas,more and more rural residents have started to use digital inclusive financial services to alleviate household credit constraints,which has an important impact on the relative poverty of rural residents.Using data from the 2018 China Family Panel Studies(CFPS),this paper examines the Internet,digital inclusive finance,and the relative poverty of rural residents under the same framework.The analysis finds that:firstly,Internet development helps to promote the popularity of digital inclusive finance in rural areas,and digital inclusive finance can effectively alleviate rural residents'relative poverty;secondly,the Internet can alleviate rural residents'relative poverty through digital inclusive finance,and the findings are robust;finally,there are regional and age differences in the poverty reduction effects of the Internet,and the relative poverty alleviation effect of the Internet is stronger in western regions and young people.Based on the above findings,this paper proposes countermeasures to alleviate the relative poverty of rural residents in terms of accelerating the construction of digital rural network infrastructure,strengthening the dissemination of digital inclusive financial knowledge and improving the production and living conditions of relatively poor groups。
作者
崔冉
王家隆
Cui Ran;Wang Jialong
出处
《宏观经济研究》
北大核心
2023年第3期48-58,127,共12页
Macroeconomics
基金
国家社科基金“农户网络借贷模式创新与风险监管研究”(17BJY121)
国家自科基金“滇桂黔石漠化片区脱贫农户返贫抑制与可持续生计研究”(72004037)
广西高校人文社科重点研究基地重大项目“广西相对贫困治理的长效机制研究”(JDZD202215)的资助。
关键词
互联网
数字普惠金融
农村居民相对贫困
Internet
Digital inclusive finance
Relative poverty of rural residents
