数字普惠金融对农户家庭发展韧性的影响研究

Research on the Impact of Digital Financial Inclusion on the Development Resilience of Rural Households

农户家庭发展韧性是衡量农户家庭在面对各种压力源和无数冲击后避免陷入贫困的能力。在运用高阶条件矩测算农户家庭发展韧性的基础上,探究数字普惠金融对农户家庭发展韧性的影响,对数字普惠金融能否实现反贫困治理的可持续性具有重要的意义。研究发现,数字普惠金融可以增强农户家庭发展韧性。其中,农户社会资本积累是作用机制之一。最后,从继续推行数字普惠金融政策、人力资本投资及社会资本三方面提出对策建议。

The development resilience of rural households is a measure of their ability to avoid falling into poverty after facing various sources of pressure and countless shocks.On the basis of using higher-order conditional moments to measure the development resilience of rural households,exploring the impact of digital Financial inclusion on the development resilience of rural households is of great significance to whether digital Financial inclusion can achieve the sustainability of anti-poverty governance.The study found that digital Financial inclusion can enhance the development resilience of rural households.Among them,the accumulation of social capital by farmers is one of the mechanisms of action.Finally,it puts forward countermeasures and suggestions from three aspects:continuing to implement digital Financial inclusion policy,human capital investment and social capital.