数字普惠金融、家庭借贷对农户林业收入的影响研究  

Study on the Influence of Digital Financial Inclusion,Household Credit on Forestry Income of Farmers

作　　者：陈灿 高建中[1] 李善美 徐绍杰 巫福斌 CHEN Can;GAO Jianzhong;LI Shanmei;XU Shaojie;WU Fubin(College of Economics & Management,Northwest A&F University,Yangling,Shaanxi 712100,China)

机构地区：[1]西北农林科技大学经济管理学院,陕西杨陵712100

出　　处：《林业经济问题》2022年第3期269-277,共9页Issues of Forestry Economics

基　　金：国家林业和草原局软科学研究项目(JYC2019-74);国家林业和草原局重点研究项目(LGS-2018-012)。

摘　　要：基于2018年集体林权制度改革监测数据库和北京大学数字普惠金融数据库统计的数据,选用OLS回归模型和分位数回归法研究数字普惠金融对农户林业收入的影响以及不同林业收入水平下数字普惠金融的增收效应。结果表明:数字普惠金融能够促进农户林业收入,关键性影响作用在于数字普惠金融的数字化程度为农户带来的移动化、实惠化、信用化和便利化;数字普惠金融对于低收入水平农户的林业增收效应不显著,而对中等收入水平农户和高收入水平农户的林业增收效应显著;数字普惠金融通过缓解家庭借贷约束,提高资金的可获得性,促进农户林业投入,从而提高农户的林业收入。因此,为使数字普惠金融能够更好地为农村地区居民提供高效便捷的金融服务,应该加强数字普惠金融的宣传普及、完善体系制度以及制定差异化策略。⑴Background——The existing forestry financial system hasn't enough support for the forestry industry,and the digital financial inclusion can help farmers alleviate the difficulties of forestry production,thereby increasing farmer's income.⑵Methods——Select 2000 valid sample data from 40 counties that match the data in the collective forest tenure reform monitoring database compiled by Shaanxi,Hunan,Liaoning and Fujian in 2018 and the China Digital Financial Inclusion Index(PKU-DFIIC)database compiled by Peking University in 2018,combined with OLS regression and quantile regression,to analyze the income effect of digital financial inclusion,and use regression methods to analyze the mediating role of household borrowing in the impact of digital financial inclusion on farmers'forestry income.⑶Results——①Digital financial inclusion significantly promotes farmers forestry income at a significant level of 1%,and the influence coefficient is 9.For residents in rural areas,living standards and economic development levels are weaker than urban residents,and the generality of digital finance has brought benefits to most farmers,which greatly increases the possibility of forestry production,and has also promoted farmers willingness to expand forestry production scale and diversification,guiding farmers to eliminate concerns about funds.At the same time,the liquidity,affordability,creditability and convenience of the degree of digital financial inclusion,are key factors in promoting the increase in farmers'forestry income.②Under 0.25 points,the influence of digital financial inclusion on farmers'forestry income is not significant.Under 0.50 and 0.75 points,digital financial inclusion significantly promoted farmers forestry income at 1%level.This shows that there are differences in the promotion of farmers'income on different income levels,and digital financial inclusion has a significant effect on the promotion of upper-middle-income level farmers,while there is no significant impact on farmers income of l

关 键 词：数字普惠金融 家庭借贷 农户 林业收入 收入水平 

分 类 号：F326.23[经济管理—产业经济]