数字金融对农户可持续生计的影响

The Impact of Digital Finance on Sustainable Livelihoods of Farmers

提升农户可持续生计能力是全面推进乡村振兴战略的关键,这一过程离不开金融的支持。基于可持续生计分析框架构建农户可持续生计评价指标体系,并利用中国家庭金融调查数据,检验数字金融改善农户可持续生计的实现机制与空间溢出效应。研究发现:数字金融可以显著改善农户可持续生计,主要通过提高信贷可得性、增强信息关注度、改善收入分配机制实现,且对风险偏好型、高收入、高生计水平、高生计多样性及高劳动力质量农户可持续生计的改善作用更为显著。此外,数字金融对农户可持续生计的改善作用具有显著的空间溢出效应。应从“供给”和“需求”两方面加大对低收入群体的数字金融服务力度,促进地区间数字金融合作联动发展,差异化促进不同类型农户使用数字金融以实现可持续生计。

Enhancing the sustainable livelihood capacity of farming households is the key to comprehensively promoting the rural revitalization strategy,and this process cannot be separated from the guarantee and support of finance.The article constructs an evaluation index system for sustainable livelihoods of farmers based on the sustainable livelihood analysis framework,and uses data from the China Household Finance Survey to test the implementation mechanisms and spatial spillover effects of digital finance in improving sustainable livelihoods of farmers.The study finds that digital finance can significantly improve the sustainable livelihoods of farmers,mainly through improving credit availability,enhancing information attention,and improving income distribution mechanisms.Moreover,the contribution to sustainable livelihoods of risk-prone,high-income,high-livelihood,high-livelihood diversity and high-quality labor is more significant.In addition,digital finance has a significant spatial spillover effect on improving sustainable livelihoods of farmers.Therefore,it is proposed to strengthen the digital financial services for vulnerable groups from the perspectives of"supply"and"demand",promote inter-regional digital financial cooperation and linkage development,and guide different types of farmers to increase their use of digital finance to achieve sustainable livelihoods through differentiated guidance.