普惠金融对农村居民收入的影响研究

Research on the Impact of Inclusive Finance on Rural Residents'Income

本文运用2013至2018年全国31个省市自治区的面板数据对普惠金融和农村居民收入的关系展开实证研究并作稳健性检验。同时,将我国地区按经济状况划分为四个板块,进行分样本回归分析,以检验是否存在区域异质性问题。研究结果表明,各地普惠金融的发展增加了农村居民的收入,但效用程度不同。相比较而言,对我国东中西部各省市农村居民收入的促进作用较为明显,而对我国东北三省的影响则不显著,说明普惠金融发展对农村居民收入的影响具有区域性差异。

To implement Inclusive Finance and benefit the disadvantaged groups is a necessary condition for China to realize a well-off society in an all-round way.This paper uses the panel data of 31 provinces and autonomous regions from 2013 to 2018 to conduct an empirical study on the relationship between Inclusive Finance and rural residents'income,and makes a robust test.At the same time,China's regions are divided into four sectors according to the economic situation,and the sub sample regression analysis is carried out to test whether there is regional heterogeneity.The results show that the development of Inclusive Finance in different regions does increase the income of rural residents,but the utility is different.Comparatively speaking,the promotion of rural residents'income in eastern,central and western provinces of China is more obvious,but the impact on the three provinces of Northeast China is not significant.This shows that the impact of Inclusive Financial Development on rural residents'income has regional differences.