普惠金融改革与农民收入增长——来自国家普惠金融改革试验区的证据

Inclusive Financial Reform and Farmers'Income Growth--Evidence From the National Pilot Zone for Inclusive Financial Reform

普惠金融改革创新是推动我国经济高质量发展的内在驱动力,总结其创新试点经验和做法对于推动我国乡村振兴战略的实施具有重要的现实意义。文章首先总结了全国10个普惠金融改革试验区支持农户收入增长的创新举措,并运用双重差分模型实证分析普惠金融改革对农民收入增长的作用。研究表明,普惠金融改革试验区的设立显著提高了农民收入水平,并缩小了城乡收入差距。建议复制和推广普惠金融改革试验区的成功经验,以惠及更多地区和人群。

The inclusive financial reform and innovation is the internal driving force to promote the high-quality development of China's economy.The article first takes 10 pilot zones of inclusive financial reform as the research object,summarizes their innovative practices and measures to support the growth of farmers'income,and use Difference-in-Difference model empirically analyze the effect of inclusive financial reform on farmers'income growth.The regression results indicate that the establishment of the pilot zone for inclusive financial reform significantly improved the income level of farmers and narrowed the urban-rural income gap.It is suggested to copy and promote the successful experience of the pilot area of inclusive financial reform,so that the mature experience and practice of the pilot area can benefit more regions and people.