数字普惠金融发展对农民非农收入的空间溢出效应  

Spatial Spillover Effect of Digital Inclusive Finance on Farmers’ Off-farm Income

作　　者：刘丹 方锐[1] 汤颖梅 Liu Dan;Fang Rui;Tang Yingmei(School of Finance, Nanjing Agricultural University, Nanjing,Jiangsu 210095 , China;Post-doctoral Research Station, School of Business, Nanjing University, Nanjing,Jiangsu 210093 , China)

机构地区：[1]南京农业大学金融学院,江苏南京210095 [2]南京大学商学院博士后流动站,江苏南京210093

出　　处：《金融经济学研究》2019年第3期57-66,共10页Financial Economics Research

基　　金：国家自然科学基金青年项目(71803082、71803083);国家自然科学基金面上项目(71673132);教育部人文社会科学青年项目(18YJC790098);教育部“创新团队发展计划”滚动支持项目(IRT_17R52);国家博士后科学基金第11批特别资助项目(2018T110486);江苏高校哲学社会科学研究基金项目(2018SJA0031);南京农业大学中央高校基本科研业务费人文社会科学研究基金项目(SK2018004)

摘　　要：选择2011~2015年中国内地29个省(市、区)的相关数据,借助北京大学数字金融研究中心课题组对于数字普惠金融指数的研究成果,采用空间计量模型,实证检验了数字普惠金融对农民非农收入的空间溢出效应,研究表明,数字普惠金融发展在中国不同省域之间均对农民非农收入存在正向溢出效应;数字普惠金融的发展不仅对本地区农民非农收入的提高具有显著的促进作用,而且对邻近省份农民非农收入的提高也具有正向溢出效应。基于此,建议进一步拓展数字普惠金融服务覆盖面,加大金融产品和数字普惠金融创新,提高数字普惠金融基础设施建设水平,促进数字普惠金融区域化发展,进而提高农民的非农收入。Based on the related data of China's Mainland’s 29 provincial-level administrative regions from 2011 to 2015,we used for reference the research findings of the digital inclusive finance index obtained by the Institute of Digital Finance at Peking University and used a spatial econometric model to empirically investigate the spatial spillover effect of digital inclusive finance on farmers’ off-farm income. The findings are summarized as follows: 1) digital inclusive finance had a positive spillover effect on farmers’ off-farm income in China’s different provincial-level administrative regions;2) digital inclusive finance not only significantly promoted the increase in off-farm income of local farmers,but also had a positive spillover effect on the off-farm income of the farmers in adjacent provincial-level administrative regions. Therefore,it is recommended to further extend the coverage scope of digital inclusive finance,strengthen the innovation in financial products and digital inclusive finance,improve the infrastructure of digital inclusive finance,and promote regional development of digital inclusive finance,thus increasing the off-farm income of farmers.

关 键 词：数字普惠金融 非农就业 非农收入 空间溢出效应 

分 类 号：F832.3[经济管理—金融学]