数字普惠金融对农村家庭生活质量的影响研究  

Research on the Impact of Digital Inclusive Finance on the Life Quality of Rural Families

作　　者：丁可可[1] 马正兵[1] DING Keke;MA Zhengbing

机构地区：[1]重庆第二师范学院金融发展与金融社会化研究中心,重庆400065

出　　处：《重庆第二师范学院学报》2024年第4期18-26,127,共10页Journal of Chongqing University of Education

基　　金：重庆市社会科学规划项目“重庆数字乡村建设的共富效应及提升路径研究”(2023PY20);重庆市教育委员会人文社会科学研究重大项目“习近平中国特色金融发展理论的体系化研究”(22SKGH447)。

摘　　要：以马斯洛需求层次理论为指导,建立主客观相结合的生活质量评价指标体系,分析数字普惠金融对我国农村家庭生活质量的影响及农民合作社的中介作用。研究发现,数字普惠金融能显著提高农村居民家庭生活质量,其三个子维度也具有显著正向效应,其中数字化程度效应最明显。异质性分析发现,数字普惠金融对农村家庭生活质量的提高效应呈“U”型,且对家庭负担较重的农村家庭生活质量提高效应更强。作用机制分析发现,数字普惠金融能够通过优化农民合作社经营方式、提升合作社经营质量提高农村家庭生活质量,且优化经营方式的作用更明显。提出进一步发展数字普惠金融,鼓励农民合作社开展实体加工、电子商务、休闲农业和乡村旅游等业务,完善农民合作社利益分配制度等建议。Guided by Maslow′s hierarchy of needs theory,this paper established a subjective and objective evaluation in-dex system for life quality,to analyze the impact of digital inclusive finance on the life quality of rural families in China,and the intermediary role of farmer cooperatives.The research has found that digital inclusive finance can significantly improve the life quality of rural families,and its three sub dimensions also have significant positive effects,with the degree of digitization being the most significant.The heterogeneity analysis found that the improve-ment effect of digital inclusive finance on the life quality of rural families is U-shaped,and the improvement effect on the life quality of rural families with heavy household burdens is stronger.The analysis of the mechanism of ac-tion reveals that digital inclusive finance can improve the life quality of rural families by optimizing the operating methods of farmer cooperatives to enhance the quality of cooperative operations,and the effect of optimizing operat-ing methods is more pronounced.It proposes suggestions such as further developing digital inclusive finance,en-couraging farmer cooperatives to engage in physical processing,e-commerce,leisure agriculture,and rural tourism,and improving the profit distribution system for farmer cooperatives.

关 键 词：数字普惠金融 农民合作社 农村家庭生活质量 

分 类 号：F328[经济管理—产业经济] F832