数字普惠金融、农民增收与共同富裕  

Digital Inclusive Finance,Farmers'Income and Common Prosperity

作　　者：姚凤阁[1] 于佳怡 石周昊 YAO Fengge;YU Jiayi;SHI Zhouhao(School of Finance,Harbin University of Commerce,Harbin 150028,China;College of Economics and Management,Northeast Agricultural University,Harbin 150030,China)

机构地区：[1]哈尔滨商业大学金融学院,哈尔滨150028 [2]东北农业大学经济管理学院,哈尔滨150030

出　　处：《农业经济与管理》2024年第3期93-109,共17页Agricultural Economics and Management

基　　金：黑龙江省省属高等学校基本科研业务费科研项目(22ZK492)。

摘　　要：数字普惠金融能够缓解农村金融困境,成为巩固脱贫攻坚成果、实现共同富裕的重要方式。基于2013—2022年中国280个地市级面板数据,实证检验了数字普惠金融对共同富裕的影响机制、非线性关系及空间溢出效应。研究表明,我国区域间共同富裕水平呈显著的空间正相关性,且样本考察期内集聚模式未发生显著变化,具有显著的空间集聚性;机制分析表明,数字普惠金融对共同富裕具有显著正向作用,农民增收在数字普惠金融与共同富裕关系中发挥中介作用;数字普惠金融的积极影响存在“边际效应”非线性递增,且农民增收能够调节数字普惠金融的非线性溢出效应;数字普惠金融对共同富裕的积极影响具有空间溢出特点,且呈“东部>中部>西部”区域异质性。通过推动数字普惠金融优先发展、努力促进区域协调发展以及充分带动农民增收,能够加快实现共同富裕。Digital inclusive finance can alleviate rural financial difficulties and become an important way to consolidate the results of poverty alleviation and realize common prosperity.Based on 280 prefecture and city-level panel data in China from 2013 to 2022,the mechanism,nonlinear relationship,and spatial spillover effect of digital inclusive finance on common wealth are empirically examined.The study shows that the level of common wealth between regions in China shows a significant positive spatial correlation,and there is no significant change in the pattern of agglomeration during the sample examination period,with significant spatial agglomeration.Mechanism analysis shows that digital financial inclusion has a significant positive effect on common wealth,and farmers'income increase plays a mediating role in the relationship between digital financial inclusion and common wealth.Positive impacts of digital financial inclusion have non-linearly increasing marginal effects,and farmers'increased incomes can moderate the non-linear spillover effects of digital financial inclusion.The positive impact of digital financial inclusion on shared prosperity is characterized by spatial spillovers,and it shows regional heterogeneity of"East>Central>West".The realization of shared prosperity can be accelerated by prioritizing the development of digitally inclusive finance,striving for coordinated regional development,and adequately boosting farmers'income.

关 键 词：数字普惠金融 共同富裕 非线性模型 农民增收 

分 类 号：F832[经济管理—金融学] F323