摘要
数字普惠金融是推动金融科技发展、实现精准减贫的重要手段。基于2016—2020年孝感7大区县的面板数据,探究数字普惠金融对县域农民增收减贫的影响。结果表明:(1)数字普惠金融对县域农民增收减贫有显著的正向影响。(2)县域经济发展水平和城乡收入分配对数字普惠金融与增收减贫间起中介传导作用。(3)数字普惠金融的发展与增收减贫呈现“U”型门槛效应关系。其中,县域经济发展水平、政府财政支出达到一定门槛后,数字普惠金融才呈现快速发展趋势。只有不断提高县域经济改革与发展、完善信息基础设施建设、提升数字金融教育水平,才能促使数字普惠金融良性发展,从而达到农民增收减贫效果。
Digital Inclusive Finance is an important means to promote the development of financial technology and achieve precise poverty reduction.Based on the panel data of 7 districts and counties in Xiaogan from 2016 to 2020,this paper explores the impact of digital inclusive finance on increasing the income of farmers in the county and reducing poverty.The results show that:(1)digital Inclusive Finance has a significant positive impact on increasing farmers'income and reducing poverty.(2)The development level of county economy and urban-rural income distribution play an intermediary role between digital Inclusive Finance and increasing income and reducing poverty.(3)The development of digital Inclusive Finance shows a"U"shaped threshold effect relationship with increasing income and reducing poverty.Among them,digital Inclusive Finance shows a rapid development trend only after the county economic development level and government financial expenditure reach a certain threshold.Only by continuously improving the reform and development of the county economy,improving the construction of information infrastructure,and improving the level of digital financial education can we promote the healthy development of digital inclusive finance,so as to achieve the effect of increasing farmers'income and reducing poverty.
作者
蔡皎洁
Cai Jiaojie(Hubei Engineering University,No.272 Jiaotong Avenue,Xiaogan,Hubei,432000)
出处
《湖北工程学院学报》
2022年第4期108-114,共7页
Journal of Hubei Engineering University
基金
湖北省科技厅软科学项目(2019ADC148)
湖北省社科基金前期资助项目(19ZD057)。
关键词
数字普惠金融
农民增收减贫
孝感市县域
Digital Inclusive Finance
Increasing farmers'income and reducing poverty
Xiaogan County