数字普惠金融对农村居民收入的影响——基于河南省县域面板数据的实证分析  

Empirical analysis of the impact of digital inclusive finance on rural residents’income based on county panel data in Henan Province

作　　者：季顺顺 马艳艳[2] 李永胜 Ji Shunshun;Ma Yanyan;Li Yongsheng(School of Agriculture,Ningxia University,Yinchuan 750021,China;School of Economics and Management,Ningxia University,Yinchuan 750021,China)

机构地区：[1]宁夏大学农学院,宁夏银川750021 [2]宁夏大学经济管理学院,宁夏银川750021

出　　处：《农业科学研究》2023年第3期80-85,共6页Journal of Agricultural Sciences

基　　金：国家自然科学基金地区项目(71763024);宁夏大学研究生课程思政示范课程建设项目(GS-KCSZ202117)。

摘　　要：基于2014—2020年河南省104个县(市)面板数据实证分析数字普惠金融对农村居民收入的影响。结果表明:数字普惠金融对农村居民收入具有显著正向影响,释放出明显的“数字红利效应”;数字普惠金融的覆盖广度、使用深度和数字化程度在不同分位数水平均与农村居民收入呈显著正相关;数字普惠金融对农村不同收入群体的增收效应存在显著区域差异。基于实证分析结果,提出不断优化完善数字金融基础设施建设、推进农村数字金融高质量融合发展和精准培育农村居民金融素养等建议。Based on the panel data of 104 counties(cities)in Henan Province from 2014 to 2020,the impact of digital inclusive finance on rural residents’income was empirically analyzed in this paper.The results demonstrate that digital inclusive finance has a significant positive impact on rural residents’income,releasing an obvious digital dividend effect.The coverage breadth,use depth and digitization degree of digital inclusive finance are all significantly positively correlated with rural residents’income at different quantile levels.There are significant regional differences in the effect of digital inclusive finance on the income increase of different rural income groups.It puts forward some policy suggestions to continuously optimize and improve the construction of digital financial infrastructure,promote the high-quality integrated development of rural digital finance,and precisely cultivate the digital financial literacy of rural residents.

关 键 词：数字普惠金融 农村居民收入 固定效应模型 

分 类 号：F832.5[经济管理—金融学]