互联网金融对农民收入的作用效应——收入水平、收入结构与空间外溢

The Effect of Internet Finance on Farmers’Income——Income Level,Income Structure and Spatial Spillover

互联网金融对农民收入的作用效应关系到农民收入水平提升和农民收入结构优化,对于我国“双循环”经济战略的实现意义重大。理论分析了互联网金融对农民收入绝对水平和收入结构的作用机制,基于2016—2021年31个省份的数据构建了空间面板数据模型,进行了实证检验。研究发现:互联网金融对农民收入水平存在显著的正向作用效应,会推动农民收入结构变化;对农民工资性收入占比和财产性收入占比存在显著的正向作用效应,对经营性收入占比和转移性收入占比存在显著的反向作用效应;对农民财产性收入占比的作用力度最强,其次是工资性收入占比,而对经营性收入占比和转移性收入占比的作用力度较小。

The effect of Internet finance on farmers’income is related to the improvement of farmers’income level and the optimization of farmers’income structure,which is of great significance to the realization of China’s“dual circulation”economic strategy.This paper theoretically analyzes the effect mechanism of Internet finance on the absolute level and income structure of farmers’income,constructs a spatial panel data model based on the data of 31 provinces from 2016 to 2021,and conducts an empirical test.The study found that Internet finance has a significant positive effect on farmers’income level,which will promote the change of farmers’income structure.There is a significant positive effect on the proportion of farmers’wage income and property income.There is a significant negative effect on the proportion of operating income and transfer income.It has the strongest effect on the proportion of farmers’property income,followed by the proportion of wage income,while the effect on the proportion of operating income and transfer income is less.