普惠金融对农村居民收入的影响研究——基于省级面板数据的实证分析

Research on the Impact of Inclusive Finance on the Income of Rural Residents——Empirical Analysis Based on Provincial Panel Data

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.