数字普惠金融的农户增收效应与作用机制——基于陕西省9市18县的调查数据  

The Effect and Mechanism of Rural Household Income Increase in Digital Inclusive Finance——Based on Survey Data From 18 Counties of 9 Cities in Shaanxi Province

作　　者：马红刚 MA Honggang(School of Economics and Finance,Xi’an Jiaotong University,Xi’an 710049,China)

机构地区：[1]西安交通大学经济与金融学院,西安710049

出　　处：《西北农林科技大学学报（社会科学版）》2025年第1期101-110,共10页Journal of Northwest A&F University(Social Science Edition)

基　　金：国家社会科学基金一般项目(22BZZ068)。

摘　　要：拓展农民增收致富渠道是完善城乡融合发展体制机制的关键环节,也是中国实现共同富裕的核心目标。基于陕西省9市18县(区)3658份农户微观调研数据,运用逻辑回归模型与中介效应模型,分析了数字普惠金融对农户家庭收入的影响及其作用机制。研究表明,数字普惠金融对农户家庭收入具有显著的正向影响,数字普惠金融发展水平越高的县域,农户的家庭收入水平越高,特别是在数字普惠金融的使用深度、覆盖广度与数字化程度方面,影响尤为显著。进一步探讨作用机制后发现,缓解家庭金融约束、促进信息对称与扩大农业经营规模是数字普惠金融促进农户增收的主要途径。此外,数字普惠金融的增收效应存在异质性,农村居民的金融素养与金融市场参与度越高,数字普惠金融对农户家庭收入的正向影响越显著。Expanding the channels for farmers to increase their income and get rich is the key link to improve the system and mechanism of urban-rural integrated development,and it is also the core goal of China to achieve common prosperity.Based on the micro survey data of 3658 rural households in 18 counties of 9 cities in Shaanxi Province,this paper analyzes the impact of digital financial inclusion on rural household income and its mechanism by using logistic regression model and intermediary effect model.The research shows that digital inclusive finance has a significant positive impact on the household income of rural households.The higher the development level of digital inclusive finance is,the higher the household income level of rural households becomes,especially in the depth of use of digital inclusive finance,coverage breadth and digital degree,the impact is particularly significant.After further exploring the operation of the mechanism,it is found that the main ways of digital inclusive finance to promote farmers'income increase are to ease household financial constraints,promote information symmetry and expand agricultural operation scale.In addition,there is heterogeneity in the income-increasing effect of digital financial inclusion.The higher the rural residents'financial literacy improves and the participation in the financial market enhances,the more significant the positive impact of digital financial inclusion on rural household income is.

关 键 词：数字普惠金融 农户增收 信息获取 农业经营规模 信贷约束 

分 类 号：F304.8[经济管理—产业经济]