县域普惠金融对农民增收的异质性分析

Heterogeneity analysis of county area inclusive finance on farmers'income increase

为实证检验普惠金融对农民收入的增收效应,根据河南省104个县域样本数据,建立截面数据模型,并通过分位数回归模型研究普惠金融对农民增收的异质性。结果表明:县域普惠金融发展对于农民的收入影响具有明显的异质性,且对于低收入和高收入群体影响效应更为显著。因此,应大力支持普惠金融的发展,不断完善相关法律法规和信用环境,对不同收入阶层群体制定针对性的帮扶政策,更好地发挥普惠金融对农民增收的推动作用。

In order to empirically test the effect of inclusive finance on farmers'income increase,a cross-sectional data model has been established based on the sample data of 104 counties in Henan Province,and the heterogeneity of inclusive finance on farmers'income increase was studied through a quantile regression model.The results showed that the impact of county area inclusive financial development on farmers'income was obviously heterogeneous,and the impact on low-income and high-income groups was more significant.Therefore,we should vigorously support the development of inclusive finance,continuously improve relevant laws and regulations and the credit environment,formulate targeted assistance policies for different income groups,and better play the role of inclusive finance in promoting farmers'income.