数字普惠金融如何减缓农户相对贫困?

How can Digital Financial Inclusion Alleviate the Relative Poverty of Rural Households?

使用北京大学数字普惠金融指数与2019年西南财经大学中国家庭金融调查数据,运用Probit模型与机制分析,分析数字普惠金融减缓农户相对贫困影响机制,实证发现:数字普惠金融能显著缓解农户相对贫困,数字普惠金融对东部地区农户的相对贫困减缓效应比中西部地区更为显著。从影响机制发现,数字普惠金融通过增加农户经济机会,促进农户参与创业市场,进而缓解农户相对贫困。从异质性分析发现,中低、中高收入水平以及高教育水平的农户家庭使用数字普惠金融减缓相对贫困影响更为显著。文章使用不同的方法证明了结论的稳健性。

Using the Peking University Digital Financial Inclusive Index and the 2019 Southwestern University of Finance and Economics China Household Finance Survey data,using the Probit model and the intermediary effect test to analyze the mechanism of digital financial inclusion to reduce the relative poverty of rural households,empirical findings:digital financial financial inclusion significantly relieves rural households Relative to poverty,the effect of digital financial inclusion on rural households in the eastern region is more significant than that in the central and western regions.From the impact mechanism,it is found that digital financial inclusion increases the economic opportunities of farmers and promotes farmers' participation in the entrepreneurial market,thereby alleviating the relative poverty of farmers.From the analysis of heterogeneity,the use of digital inclusive finance by households with low to middle-income and high education levels has a more significant impact on alleviating relative poverty.The article uses different methods to prove the robustness of the conclusions.