数字普惠金融对农村居民收入影响分析——基于282个地级以上城市面板数据  

Analysis on the Impact of Digital Inclusive Finance on the Income of Rural Residents:Based on the Panel Data of 282 Cities at or Above the Prefecture Level

作　　者：萨茹拉 马婷婷 杜晓彤 SA Rua;MA Tingting;DU Xiaotong(School of Economics and Management,Inner Mongolia Normal University,Hohhot Inner Mongolia Autonomous Region 010028,China)

机构地区：[1]内蒙古师范大学经济管理学院,内蒙古呼和浩特010028

出　　处：《金融理论与教学》2024年第4期29-37,共9页Financial Theory and Teaching

基　　金：内蒙古哲学社会科学规划一般项目(2023NDC144)。

摘　　要：在分析数字普惠金融影响农村居民收入理论的基础上,选取2011—2020年282个地级以上城市面板数据,采用双重固定效应模型检验数字普惠金融对农村居民收入的影响效应。实证结果表明,数字普惠金融的发展能促进农村居民提高收入,且表现出区域异质性和门槛效应;覆盖广度与使用深度对农村居民有增收效应,而数字化程度不利于农村居民增收。Based on the analysis of the impact of digital inclusive finance on the income of rural residents and the panel data from 282 cities at or above the prefecture level between 2011 and 2020,this study employs a dual fixed-effect model to examine the impact of digital inclusive finance on the income of rural residents.The empirical findings reveal that the advancement of digital inclusive finance contributes to an increase in the income of rural residents,demonstrating regional heterogeneity and threshold effect.Specifically,both the breadth of coverage and depth of usage have positive effects on increasing the income of rural residents,while the degree of digitalization does not contribute to such increase.

关 键 词：数字普惠金融 农村居民收入 面板回归模型 

分 类 号：F752.4[经济管理—国际贸易] F741.2[经济管理—产业经济]