数字普惠金融对农民收入增长的影响——基于山东省地市数据的研究

The Impact of Digital Inclusive Finance on the Growth of Farmers'Income:A Study Based on City Data in Shandong Province

数字普惠金融可以通过消费机制、融资机制和信息机制对农民收入增长产生影响。基于山东省2011-2020年的地市级面板数据,采用固定效应模型、IV-2SLS模型和中介效应模型对数字普惠金融促进农民收入增长及其影响机制进行了实证研究。研究发现:山东省数字普惠金融发展对农民收入产生显著的正向促进作用,这种促进作用可以通过消费机制、融资机制和信息机制实现;异质性研究发现:山东沿海地市数字普惠金融对农民收入的促进作用大于内陆地市,低收入水平地市数字普惠金融对农民收入的促进作用大于高收入水平地市。基于此,对增强山东数字普惠金融促进农民收入增长提出相关措施和建议。

Digital inclusive finance can have an impact on farmers'income growth through the consumption mechanism,financing mechanism and information mechanism.Based on the prefecture-level panel data of Shandong Province from 2011 to 2020,this paper uses fixed effect model,IV-2 SLS model and intermediary effect model to study the promotion of digital inclusive finance on farmers'income growth and its influence mechanism.The study finds that the development of digital inclusive finance in Shandong province has a significant positive effect on farmers'income,which can be realized through consumption mechanism,financing mechanism and information mechanism;the heterogeneous study finds that the promotion effect of digital inclusive finance in Shandong coastal cities on farmers'income is greater than that in inland cities,and that of farmers'income in low income level is greater than that in high income level.Based on this,relevant measures and suggestions are put forward to enhance the digital inclusive finance in Shandong Province and promote the growth of farmers'income.