摘要
普惠金融发展迅猛,为乡村振兴开辟了新路径,其对农民收入的作用不容小觑。选用2009—2018年各省农村面板数据作为研究样本,测算2009-2018年普惠金融指数,构建线性面板模型及面板门槛模型,验证普惠金融对农村居民收入的影响。研究结果显示,普惠金融能有效增加农民收入,且具有门槛效应。普惠金融对农民收入增收效果还会受到当地经济发展水平的影响,并且随着区域经济不断发展,金融基础设施不断完善,农村普惠金融的发展也不断深入,其增收及减贫的作用效果也逐渐凸显。
The rapid development of inclusive finance has opened up a new path for rural revitalization,and its effect on farmers’income should not be underestimated.Selecting the rural panel data of the provinces from 2009 to 2018 as the research sample,the inclusive finance index from 2009 to 2018 was calculated,and the linear panel model and the panel threshold model were constructed to verify the impact of inclusive finance on the income of rural residents.The research results show that inclusive finance can effectively increase farmers’income and has a threshold effect.The effect of inclusive finance on farmers’income increase will also be affected by the level of local economic development.As the regional economy continues to develop and financial infrastructure continues to improve,the development of rural inclusive finance continues to deepen,and its effect on income increase and poverty reduction is also gradually highlighted.
作者
钱水土
章欣楠
Qian Shuitu;Zhang Xinnan(School of Finance,Zhejiang Gongshang University,Hangzhou 310018,China)
出处
《金融理论探索》
2021年第5期44-54,共11页
Exploration of Financial Theory
基金
国家社科基金重大项目“构建金融有效支持农业高质量发展的体制机制研究”(21ZDA046)。
关键词
农村普惠金融
农村居民收入
经济发展
门槛效应
rural inclusive finance
rural residents’income
economy development
threshold effect