普惠金融对安徽省农村居民收入的影响研究

Impact of Inclusive Finance on the Income of Rural Residents in Anhui Province

选取2014-2019年安徽省61个县域的面板数据,深入考察普惠金融对农村居民收入的直接影响,具体分析安徽省不同地区农村居民受普惠金融影响所产生的区域异质性情况。研究发现:安徽省普惠金融对农村居民收入具有正向促进作用。其中普惠金融的使用深度对农村居民收入的影响最显著,覆盖范围其次,数字化程度最弱;普惠金融从需求侧和供给侧两方面提高了安徽省农村居民的收入;皖中和皖南地区普惠金融对农村居民收入的影响比皖北地区更显著。安徽省普惠金融发展尚不成熟,政府应完善普惠金融基础设施建设,健全普惠金融体系,加速推进农村金融机构数字化转型。

The panel data of 61 counties in Anhui Province from 2014 to 2019 was selected in this paper,and it deeply examined the direct impact of inclusive finance on the income of rural residents,analyzed the regional heterogeneity of rural residents affected by inclusive finance in Anhui Province.There are some conclusions found in this study:Inclusive finance in Anhui Province has a positive role in promoting the income of rural residents.Among them,the usage depth of inclusive finance has the most significant impact on the income of rural residents,followed by coverage breadth and the weakest degree of digitization level.The income of rural residents is promoted by inclusive finance in Anhui from both demand side and supply side.The impact of inclusive finance on the income of rural residents in central and Southern Anhui is more significant than that in Northern Anhui.The development of inclusive finance in Anhui Province is not yet mature,so it’s necessary that the government should improve the construction of inclusive financial infrastructure,enhance the inclusive financial system,and accelerate the digital transformation of rural financial institutions.