数字普惠金融助力农村共同富裕实现了吗?——基于数字金融能力和农户创业协同作用视角  

Has Digital Inclusive Finance Helped Achieve Common Prosperity in Rural Areas?——From the Perspectives of Digital Financial Capabilities and Farmers’Entrepreneurial Synergy

作　　者：李春霄[1] 张艺婷 Li Chunxiao;Zhang Yiting(School of Economics and Management of Xi’an Shiyou University,Xi’an 710065,China)

机构地区：[1]西安石油大学经济管理学院,陕西西安710065

出　　处：《新疆农垦经济》2024年第11期1-12,22,共13页Xinjiang State Farms Economy

基　　金：国家社会科学基金项目(项目编号:17CJY039)。

摘　　要：共同富裕是中国式现代化的本质要求,实现总体富裕和共享富裕是实现共同富裕的要求。文章基于2015年、2017年和2019年中国家庭金融调查(CHFS)农村微观数据和数字普惠金融指数,采用固定效应模型和面板门槛回归模型实证检验数字普惠金融对农村共同富裕的影响。研究发现:(1)数字普惠金融对区域农村经济发展具有促进作用,但仅有覆盖广度表现出对个体收入差距的缩小作用。数字普惠金融显著提升了农户进入中高收入群体的概率和低收入农户家庭收入水平,有利于促进共同富裕。(2)数字金融能力和农户创业会弱化调节数字普惠金融与共享富裕和总体富裕的正向关系。(3)数字普惠金融对农村共同富裕的影响存在双门槛效应。异质性结果表明,数字普惠金融对共享富裕的提升效果为东部>中部>西部;数字普惠金融对总体富裕的提升效果为中部>西部>东部。鉴于此,通过完善落后地区金融基础设施、提高低收入群体数字金融能力以及因地制宜制定区域数字普惠金融发展战略等措施助力共同富裕。Common prosperity is the essential for Chinese modernization,and achieving overall prosperity and shared prosperity is the requirement for achieving common prosperity.Based on the rural micro data and digital financial inclusion index of the China Household Finance Survey(CHFS)in 2015,2017 and 2019,this paper empirically examines the impact of digital financial inclu⁃sion on rural common prosperity by using a fixed-effect model and a panel threshold regression model.The results show that:(1)digital inclusive finance has a promoting effect on regional rural economic development,but only the breadth of coverage shows a narrowing effect on the individual income gap.Digital inclusive finance has significantly increased the probability of rural house⁃holds entering the middle-and high-income groups and the household income level of low-income rural households,which is con⁃ducive to promoting common prosperity.(2)Digital financial capabilities and rural entrepreneurship will weaken and moderate the positive relationship between digital inclusive finance and shared wealth and overall prosperity.(3)There is a double-threshold ef⁃fect on the impact of digital inclusive finance on rural common prosperity.The results of heterogeneity show that the effect of digital inclusive finance on shared prosperity shows a trend of the east>the middle>the west.The effect of digital inclusive finance on overall prosperity is the middle>the west>the east.In view of this,measures such as improving the financial infrastructure in backward areas,improving the digital financial capacity of low-income groups,and formulating regional digital inclusive finance development strategies according to local conditions can help to achieve common prosperity.

关 键 词：数字普惠金融 共同富裕 数字金融能力 农户创业 

分 类 号：F49[经济管理—产业经济] F832F323