摘要
数字金融以其普惠性、便捷性、低成本正逐步激发农村家庭主动走出困境、寻求发展的内生发展能力,从而增强农村家庭经济韧性,但其微观机制尚未得到有效验证。论文运用中国家庭金融调查问卷(CHFS)2015—2019年的数据测度了家庭经济韧性指标,实证分析了数字金融对农村家庭经济韧性的影响及作用机制。研究发现:数字金融的使用显著促进了农村家庭的经济韧性;数字金融通过促进农村家庭创业行为、提高风险承担水平及增加社会资本,从而促进了农村家庭经济韧性的提升;数字金融对收入水平较低、教育水平较高的农村家庭的经济韧性提升作用更明显。因此,应进一步完善农村地区数字基础设施和服务,创新数字金融产品、提高平台的服务水平,以激发农村家庭内生发展动力。同时应关注部分劣势群体的普及教育,发挥数字金融提升农村家庭经济韧性的有利作用,并最终实现乡村振兴和共同富裕。
Digital finance is gradually stimulating the endogenous development ability of rural households to actively get out of difficulties and seek development with its inclusiveness,convenience,and low cost,thus enhancing the resilience of economy of rural households.However,its micro-mechanism has not been effectively verified.In this paper,the data of the China Household Finance Survey(CHFS)from 2015 to 2019 were used to measure the indicators of household resilience of economy,and the impact and mechanism of digital finance on rural household resilience of economy were empirically analyzed.The study found that the use of digital finance has significantly promoted the economic resilience of rural households;digital finance has promoted the economic resilience of rural households by enhancing entrepreneurial behavior of rural households,raising risk undertaking levels,and increasing social capital,with obvious effect of digital finance on improving the economic resilience of rural households with lower income levels and higher education levels.Therefore,digital infrastructure and services in rural areas should be improved gradually,also the innovation of digital finance products and service platforms should be enhanced to further stimulate the endogenous development capabilities of rural households.Meanwhile,it's vital to pay attention to popularizing education for some disadvantaged groups,giving full play to the beneficial role of digital finance in enhancing the economic resilience of rural households,thus achieving rural revitalization and common prosperity.
作者
邹新阳
霍心如
ZOU Xin-yang;HUO Xin-ru
出处
《农村金融研究》
2023年第7期65-80,共16页
Rural Finance Research
基金
国家社会科学基金项目“数字普惠视角下农业产业链融资的机制与路径研究”(编号:21BGL162)
教育部人文社会科学规划项目“‘三权分置’下农村土地融资的制度协同与创新研究”(编号:19YJA790129)的阶段性研究成果。
关键词
数字金融
农村家庭
经济韧性
Digital Finance
Rural Household
Resilience of Economy
