数字普惠金融、农村就业与农村居民增收  

Digital Inclusive Finance,Rural Employment Opportunities and Income Increase of Rural Residents

作　　者：赖娟 张璐 刘燕云[2] LAI Juan;ZHANG Lu;LIU Yan-yun(College of Economics and Management,Jiangxi Agricultural University;People’s Bank of China,Ji’an Central Sub-branch)

机构地区：[1]江西农业大学经济管理学院,江西南昌330000 [2]中国人民银行吉安中心支行,江西吉安343000

出　　处：《当代金融研究》2023年第2期76-87,共12页Journal of Contemporary Financial Research

基　　金：江西省社会科学基金项目“数字乡村战略下农村数字金融自我排斥破解机制研究——基于江西农村调研数据的分析”(20YJ20);江西省社会科学基金项目“江西革命老区发展数字普惠金融的减贫长尾效应评估与路径优化研究”(21GL14)。

摘　　要：促进农村居民增收是实现共同富裕目标的重要途径。为了探究数字普惠金融是否能够促进农村居民增收以及如何促进等问题,本文使用我国2011-2019年的省际面板数据,利用固定效应模型研究数字普惠金融指数及分指标对农村居民收入的影响,并用中介效应模型探究就业机会的中介效应。结果表明:数字普惠金融及其分指标(数字支付、数字信贷和数字保险)均能够显著促进农村居民收入增长,其中数字支付和数字信贷对农村居民收入的影响更为显著;数字普惠金融提升就业率是促进农村居民增收效应的重要机制。因此,现阶段应推广普及农村数字金融,并通过完善农村地区数字化基础设施以及监管框架,加快传统金融机构数字化转型发展,带动农村居民实现高质量增收。Increasing rural residents’income is an important way to achieve the goal of common prosperity.In order to explore whether Digital Inclusive Finance can promote the increase of rural residents’income and how to promote it,this paper uses China’s inter-provincial panel data from 2011 to 2019 to study the influence of Digital Inclusive Finance index and sub-index on rural residents’income by using the fixed effect model,and explores the mediating effect of employment opportunities by using the mediation effect model.The results show that the development of digital payment,digital credit and digital insurance can significantly promote the growth of rural residents’income,and the impact of digital payment and digital credit on rural residents’income is more significant.The growth of employment rate promoted by Digital Inclusive Finance is an important way to exert the income increase effect of rural residents.Therefore,it is suggested to enhance the penetration rate of digital payment in rural areas,improve the construction of digital infrastructure in rural areas,speed up the digital transformation of traditional financial institutions,and improve the regulatory framework of digital inclusive finance,so as to promote the development of rural digital inclusive finance and drive rural residents to achieve high-quality income increase.

关 键 词：数字普惠金融 就业 农村居民收入 中介效应 

分 类 号：F832.35[经济管理—金融学]