普惠金融对农民收入结构的影响研究——以黄河流域为例

Study on the Influence of Inclusive Finance on the Income Structure of Farmers—A Case Study of the Yellow River Basin

普惠金融是促进农民增收,调整农民收入结构的重要方式。根据黄河流域2011—2020年的面板数据,探讨普惠金融对农民收入结构的影响。结果表明:(1)普惠金融总指数对黄河流域整体及各区域农村居民收入及各来源收入均有显著的积极影响,仅对上游地区财产性收入有消极影响,但该消极影响不显著。(2)普惠金融覆盖广度指数对黄河流域整体及各区域农村居民收入及各来源收入均有显著的积极影响,对下游家庭经营收入有显著的消极影响,对下游的财产性收入的积极影响不显著。(3)普惠金融使用深度指数对黄河流域整体农村居民家庭人均纯收入、家庭经营纯收入有显著的积极影响,对工资性收入的积极影响不显著,财产性收入和转移性收入有显著的消极影响。

Inclusive finance is an important way to promote farmers’income increase and adjust farmers’income structure.This paper uses the panel data of the Yellow River basin from^(2)011 to 2020 to explore the impact of inclusive finance on the income structure of farmers.The results show that:①The total inclusive financial index has a significant positive impact on the income of rural residents and income from all sources in the whole and all regions of the Yellow River basin,but only has a negative impact on property income in the upstream region,but the negative impact is not significant.②The inclusive financial coverage index has a significant positive impact on the income of rural residents and income from all sources in the whole and all regions of the Yellow River basin,a significant negative impact on the income of downstream households,and a significant negative impact on downstream property income.③The depth index of inclusive financial use has a significant positive impact on the per capita net income of rural households and the net income of household management in the whole Yellow River basin,but has no significant positive impact on wage income,while property income and transfer income have a significant negative impact.