金融科技发展能提高农村家庭幸福感吗?——基于幸福经济学的研究视角  

Can the Development of Fintech Improve the Well-being of Rural Households? An Analysis from the Perspective of Happiness Economics

作　　者：尹振涛[1] 李俊成 杨璐 YIN Zhentao;LI Juncheng;YANG Lu

机构地区：[1]中国社会科学院金融研究所 [2]中央财经大学中国经济与管理研究院

出　　处：《中国农村经济》2021年第8期63-79,共17页Chinese Rural Economy

基　　金：中国社会科学院国情调研重大项目“关于互联网金融风险治理调研”(编号:GQZD2020006)的资助。

摘　　要：随着中国特色社会主义进入新时代,人民对美好生活的向往之情愈加强烈,"幸福"逐渐成为社会各界关注的重大议题。在金融助力乡村振兴的背景下,本文使用2017年中国家庭金融调查数据(CHFS),实证分析了金融科技发展对农村家庭幸福感的影响及作用机制。研究发现,金融科技发展能显著提高农村家庭幸福感,其中金融科技的覆盖广度和数字化程度对幸福感的提升最为重要。机制分析发现,提高农民收入、为农民创业提供支持以及缩小城乡收入差距是金融科技发展提高农村家庭幸福感的重要原因。异质性分析发现,金融科技发展对农村家庭幸福感的积极影响在家庭人员结构较为年轻、负债水平较高以及中国中西部地区的样本中更为显著。本文的研究为新时代下全面推进乡村振兴,把握人民日益增长的美好生活需要提供了新思路。As socialism with Chinese characteristics has entered a new era,people’s yearning for a better life has become increasingly stronger,and"well-being"has gradually become one of the major issues of concern to all sectors of society.In the context of the strategy of fintech empowering rural revitalization,this article empirically explores the impact of fintech development on the wellbeing of rural households and its mechanism by using the data of China Household Finance Survey(CHFS)in 2017.The study finds that the development of fintech has a positive impact on improving the well-being of rural households,and the breadth of coverage and digitalization of fintech have played a significant role in improving their well-being.Mechanism analysis shows that increasing farmers’income,providing support for farmers’entrepreneurship,and narrowing the urban-rural income gap are significant reasons for the improvement of the well-being of rural households.Heterogeneity analysis finds that the positive effect of fintech development on the well-being of rural households is more significant in the samples with younger family structure,higher debt level,and samples located in the central and western regions of China.The study provides new ideas for comprehensively promoting rural revitalization in the new era and grasping the people’s growing needs for a better life.

关 键 词：金融科技 幸福感 农村家庭 乡村振兴 数字化 

分 类 号：F328[经济管理—产业经济] F832