摘要
文章基于2011—2021年甘肃省14个地级市(州)的面板数据,运用固定效应模型和中介效应模型实证研究数字普惠金融对农民收入的影响效应。研究发现:(1)数字普惠金融对农民收入有着显著正向作用,并且产业结构、财政支农水平、城镇化水平的提高也会促进农民增收。(2)从数字普惠金融不同维度来看,均能够促进农民收入增加,但作用效果存在差异,覆盖广度最强、使用深度次之、数字化程度最弱。(3)从作用渠道来看,地区经济增长能够在数字普惠金融影响农民收入过程中发挥中介效应。(3)从异质性检验来看,数字普惠金融对农民收入影响存在区域差异性,河西地区作用效果最强,陇南地区最弱。基于此,提出应加快农村地区数字普惠金融基础设施建设、加大数字普惠金融支持力度、加强数字普惠金融宣传教育等建议。
The article is based on the panel data of 14 prefecture-level cities in Gansu Province from 2011 to 2021.It uses fixed effects models and intermediary effect models to study the impact of digital inclusive finance on farmers' income.The results are as follows.(1)Digital inclusive finance has a significant positive effect on farmers' income,and the increase in industrial structure,level of fiscal support in agriculture,and urbanization level will also promote farmers' income.(2)From the perspective of different dimensions of digital inclusive finance,all the following factors promote the increase in farmers' income,but are different in their effects,with the coverage being strongest,the depth of the usage being secondary,and digitization being the weakest.(3)From the perspective of functional channels,regional economic growth can play an intermediary role in the process of digital inclusive finance affecting farmers' income.(4)From the perspective of heterogeneity testing,there are regional differences in the impact of digital inclusive finance on farmers' income,with the strongest effect in the Hexi region and the weakest in the Longnan region.Based on this,it is proposed to accelerate the construction of digital inclusive financial infrastructure in rural areas,increase support for digital inclusive finance,and strengthen the publicity and education of digital inclusive finance.
作者
郝小伟
杨林娟
Hao Xiaowei;Yang Linjuan(College of Finance and Economics,Gansu Agricultural University,Lanzhou 730070,Gansu,China)
出处
《新疆农垦经济》
2023年第12期80-89,共10页
Xinjiang State Farms Economy
基金
甘肃省哲学社会科学规划项目(项目编号:19YB124)
甘肃省科技计划软科学项目(项目编号:20CX4ZA045)。
关键词
数字普惠金融
农民收入
中介效应
digital inclusive finance
farmers’income
intermediary effect
