摘要
提高农村居民的获得感、幸福感是乡村振兴战略的重要目标之一,也是不断满足人民日益增长的美好生活需要的应有之义。数字金融的蓬勃发展为纾解农户金融抑制、助力农业农村经济高质量发展、实现包容性增长提供了新的动力。基于中国家庭金融调查(CHFS)数据,可采用Ordered Probit模型实证分析数字金融对我国农村居民幸福感的影响效应、作用机制和群体差异。研究结果显示:其一,数字金融能够显著提升农村居民家庭幸福感,相较于没有使用数字金融的家庭,使用了数字金融的家庭感到“非常不幸福”“不幸福”和“一般”的概率会分别下降0.3%、0.7%和1.7%,而感到“幸福”和“非常幸福”的概率会上升0.3%和2.4%;同时经过样本筛选检验和运用倾向得分匹配法(PSM)、工具变量缓解内生性问题等一系列处理之后,所得结论依然稳健。其二,机制分析发现,数字金融主要是通过提高农村居民绝对收入水平、降低收入不平等、促进消费升级和加强金融市场参与来提高农村居民家庭幸福感。其三,异质性分析发现,数字金融对农村居民幸福感的提升效果主要发生在中西部地区、女性高比例家庭、受过教育的家庭和低收入水平群体。
Based on the 2017 China Household Finance Survey(CHFS)data,this paper examines the impact of digital finance on the happiness of rural residents.It mainly uses the Ordered Probit model to empirically analyze the impact effects,mechanisms,and group differences of digital finance on the happiness of rural residents in China.The research results show that digital finance can significantly improve the happiness of rural residents.Compared with households that do not use digital finance,the probability of feeling"very unhappy","unhappy"and"average"decreased by 0.3%,0.7%,and 1.7%for households that use digital finance,and they feel"happy"and"very happy"will increase the probability of 0.3%and 2.4%.At the same time,after sample screening,propensity score matching(PSM),and instrumental variable methods were used to address endogeneity,the conclusion is still robust.In terms of the mechanism of action,the verification of the mediating effect model found that digital finance mainly promotes the happiness of rural residents through three paths:Increasing the income level of rural residents(absolute income),promoting consumption upgrades,and strengthening financial market participation.The effect of digital finance on the happiness of rural residents mainly occurs in the central and western regions,households with a high proportion of women,educated families,and low and middle-income groups.
作者
王小华
黄捷
宋檬
WANG Xiaohua;HUANG Jie;SONG Meng(Center for Inclusive Finance and Agricultural&Rural Development,Southwest University,Chongqing 400715,China;College of Economics and Management,Southwest University,Chongqing 400715,China)
出处
《烟台大学学报（哲学社会科学版）》
CSSCI
2024年第4期77-91,共15页
Journal of Yantai University(Philosophy and Social Science Edition)
基金
国家社会科学基金重大项目“数字普惠金融支持乡村振兴的政策与实践研究”(22&ZD123)
国家社会科学基金重点项目“数字普惠金融赋能小农经济现代化改造研究”(23AJY014)
江苏高校哲学社会科学重大项目“数字普惠金融服务江苏乡村产业振兴的耦合协调机制研究”(2022SJZD020)。
关键词
数字金融
农村居民幸福感
数字鸿沟
金融市场参与
digital finance
rural residents'happiness
digital divide
financial market participation
