摘要
文章基于2013—2020年我国省级面板数据,建立动态面板回归模型,实证检验了数字普惠金融、农村创业与农民增收三者之间的作用关系。结果表明,数字普惠金融对农民增收和农村创业的作用具有异质性,数字普惠金融的不同特征和类型影响差异较大;数字普惠金融使用深度的信贷功能通过农民创业对农民增收有促进作用,但对于东、中、西部地区的影响具有差异性。基于此,提出要重点关注数字普惠金融对农民内生动力的提升作用;根据东、中、西部地区发展阶段特征,针对数字普惠金融的重点影响特征和功能,不断完善服务提供方式和途径;重点针对各地区建立健全创业帮扶机制。
Based on the provincial panel data from 2013 to 2020 in China,this paper constructs a dynamic panel regression model to empirically test the relationship between digital inclusive finance,rural entrepreneurship,and farmers’income growth.The study results are as following:The role of digital inclusive finance in increasing farmers’income and rural entrepreneurship is heterogeneous,and the different characteristics and types of digital inclusive finance have significant differences in their impact.The use of deep credit function in digital inclusive finance has a promoting effect on increasing farmers’income through entrepreneurship,but the impact on the eastern,central,and western regions is different.Finally,the paper proposes three suggestions:Focus on the role of digital inclusive finance in enhancing the endogenous motivation of farmers;constantly improve the ways and means of service provision according to the characteristics of the development stage of the central,eastern and western regions,and in view of the key impact characteristics and functions of digital inclusive finance;establish and improve entrepreneurship assistance mechanisms for all regions.
作者
冯梦黎
Feng Mengli(School of Marxism,CPC Sichuan Provincial Party School,Chengdu 610000,China)
出处
《统计与决策》
北大核心
2024年第7期138-143,共6页
Statistics & Decision
基金
国家社会科学基金一般项目(23BJL136)。
