数字金融发展对农民可持续性增收的影响机制——基于湖北省数据的实证分析

The Impact Mechanism of Digital Finance Development on Sustainable Income Increase of Farmers:An Empirical Analysis Based on Hubei Province Data

基于2011—2021年湖北省13个市(州)的面板数据,构建固定效应模型和中介效应模型,实证分析湖北省数字金融对农民可持续性增收影响机制。结果表明:湖北省发展数字金融能提高农民收入水平、改善农民收入结构,可以显著地促进农民可持续性增收,且对低收入水平、低收入可持续性的农民效果更佳;地区经济增长对湖北省数字金融提高农民收入水平、使农民收入增加具有可持续性均存在部分中介效应,其值分别为39.69%和40.96%。此外,推进城镇化建设对农民可持续性增收也有显著的促进作用。

Based on the panel data of 13 cities(prefecture)in Hubei Province from 2011 to 2021,this paper builds a fixed effect model and an intermediary effect model,and empirically analyzes the mechanism of digital finance in Hubei Province on the sustainable income growth of farmers.Research shows that the development of digital finance in Hubei Province can improve farmers’income level,improve farmers’income structure,significantly promote farmers’sustainable income,and have a better effect on low-income and low-income sustainable farmers;regional economic growth can improve farmers’income level and enable farmers’income for digital finance in Hubei Province.There are some intermediary effects on the sustainability of the increase,with values of 39.69%and 40.96%respectively.In addition,promoting urbanization also plays a significant role in increasing the sustainable income of farmers.