数字金融使用与农民幸福感:基于创业中介视角的实证

Use of digital finance and farmers’happiness:Empirical evidence based on an entrepreneurial intermediary perspective

为研究数字金融使用对农民幸福感的影响,基于农民创业中介视角,利用2019年中国家庭金融调查(CHFS)数据,运用Oprobit模型考察数字金融使用对农民幸福感的影响。在此基础上,运用中介效应模型分析创业在数字金融使用和农民幸福感之间的作用机制,并通过Oprobit模型考察数字金融异质性及其对农民幸福感影响的组群差异。结果表明:数字金融使用能显著提升农民幸福感;创业在数字金融使用影响农民幸福感中发挥了部分中介效应,推进农民创业是数字金融使用提高农民幸福感的重要途径;相比于数字理财和数字信贷,数字支付最有助于提高农民幸福感;数字金融使用最有利于提高女性、已婚、年龄在60岁以上及低学历农民的幸福感。

In order to explore the impact of the use of digital finance on farmers’happiness,from the perspective of a farmer entrepreneurial intermediary,this study used the 2019 China Household Finance Survey(CHFS)and Oprobit model to investigate the impact of digital financial use on farmers’happiness.On this basis,this study used a mediating effects model to analyze the mechanism of the role of entrepreneurship between the use of digital finance and farmers’happiness,and used the Oprobit model to analyze digital finance heterogeneity and cohort differences in the impact of digital finance on farmers’happiness.The results show that:The use of digital finance can significantly enhance farmers’happiness.Entrepreneurship plays a part in mediating the effect of digital finance use on farmers’happiness,and promoting farmers’entrepreneurship is an important way for digital finance to improve farmers’happiness.Digital payments contribute most to farmers’happiness than digital finance and digital credit.In conclusion,using digital finance is most beneficial to improve the happiness of farmers who are female,married,over the age of 60 or with low education.