信息通讯技术与普惠金融的交互作用

The Interaction between Information Communication Technology and Financial Inclusion

信息通讯技术(ICT)和农村金融分别作用于农民增收的机理和效果得到比较广泛的认可,但对农民增收的联合作用机理和效果仍不明晰。研究发现:ICT和普惠金融的发展均有利于农民增收;ICT在农村金融服务中的使用,提高了农民金融服务的可及性与可得性,强化了普惠金融的增收效应;电子化金融服务在农村的推广,加快了先进ICT技术的普及,助推了ICT的增收效应。

The mechanism and effect of Information and Communication Technology（ ICT）） and rural finance on farmers＇ income are widely recognized,but the mechanism and effect of the interaction between ICT and rural finance is still unclear. The findings are as follows： ICT and financial inclusion are beneficial to improve farmers＇ income; The use of ICT in rural financial services has improved the accessibility and availability of financial services for farmers and has enhanced the income effect of inclusive finance;The promotion of electronic financial services in rural areas has accelerated the popularization of ICT and boosted the income effect of ICT.