数字普惠金融的发展提高农民收入了吗——基于CGSS数据的实证检验  

Does the Farmers'Income Increase from the Digital Inclusive Finance:An Empirical Analysis Using CGSS Data

作　　者：丁可可[1] 王琴 刘洋 Ding Keke;Wang Qin;Liu Yang(Research Center for Financial Development and Financial Socialization,Chongqing University of Education,Chongqing 400065,China;School of Economics and Finance,Chongqing University of Technology,Chongqing 400054,China)

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 [2]重庆理工大学经济金融学院,重庆400054

出　　处：《西部经济管理论坛》2024年第6期29-41,共13页West Forum on Economy and Management

基　　金：重庆市社会科学规划项目(2023PY20);重庆市社会科学规划项目(2023BS030);国家社会科学基金青年项目(22CJL021);重庆市教育委员会人文社会科学研究重大项目(22SKGH447);重庆市教育科学规划课题(2020-DP-27)。

摘　　要：促进农民增收是乡村振兴和共同富裕的共同要求,数字普惠金融能否促进农民增收,助力乡村振兴和共同富裕值得深入探讨。本文将2020年县域数字普惠金融指数与2021年中国社会综合调查(CGSS)农民数据和县域社会经济数据相匹配,探讨数字普惠金融对农民收入的影响及其作用机制。研究发现:数字普惠金融能显著促进农民增收,农民创业和非农就业在数字普惠金融和农民收入之间发挥中介作用,政府干预强化了数字普惠金融的增收效应,东部地区数字普惠金融的增收效应比中西部地区强。基于上述研究结论,文章提出相应的对策建议:将农村地区数字普惠金融的供给与需求相匹配;优化农村创业环境,促进农村非农就业规模扩张;完善农村数字基础设施,提升农村人力资本水平;加大数字普惠金融资源向中西部农村地区倾斜的力度。Promoting the growth of farmers'income is a key objective of rural revitalization and common prosperity.It is important to explore whether digital inclusive finance can contribute to this income growth and further support rural revitalization and common prosperity.This paper examines the impact of digital inclusive finance on farmers'income by matching the county-level digital inclusive finance index for 2020 with data from the 2021 Chinese General Social Survey(CGSS)and county-level socioeconomic indicators.The findings reveal that digital inclusive finance significantly pro-motes farmers'income growth.Farmers'entrepreneurship and non-agricultural employment act as mediators between digit-al inclusive finance and income growth.Additionally,government intervention enhances the income-boosting effect of di-gital inclusive finance.The effect is stronger in the eastern regions compared to the central and western regions.Based on these findings,the paper proposes several recommendations:aligning the supply and demand of digital inclusive finance in rural areas,optimizing the rural entrepreneurship environment,promoting the expansion of rural non-agricultural employ-ment,improving rural digital infrastructure,enhancing human capital in rural areas,and increasing the allocation of digital inclusive resources to the central and western regions.

关 键 词：数字普惠金融 农民收入 中国社会综合调查 农民创业 非农就业 

分 类 号：F49[经济管理—产业经济]