数字普惠金融对农户共同富裕的影响研究

Research on the Impact of Digital Inclusive Finance on the Common Prosperity of Rural Households

基于中国家庭追踪调查(CFPS)数据和北京大学数字普惠金融指数,构建农户共同富裕指数,实证分析数字普惠金融发展与农户共同富裕的关系。研究发现:数字普惠金融发展水平有助于促进农户共同富裕,数字普惠金融三个子维度(数字金融覆盖广度、使用深度、数字化程度)对农户共同富裕存在显著的促进效应;农户数字素养、金融素养水平存在增强数字普惠金融促进农户共同富裕的中介影响;数字普惠金融在不同共同富裕程度农户间存在明显的“马太效应”,且数字普惠金融三个子维度均对东部地区农户共同富裕存在显著的促进效应,仅数字普惠金融覆盖广度对中西部地区农户共同富裕存在显著的促进效应。

Based on the China Family Panel Studies(CFPS) data and Peking University's Digital Inclusive Financial Index,the Rural Household Common Prosperity Index was constructed to empirically analyze the relationship between the development of digital inclusive finance and the common prosperity of rural households.It is found that the development level of digital inclusive finance is conducive to promoting the common prosperity of rural households,and the three sub-dimensions of digital inclusive finance(the breadth of coverage,depth of use,and degree of digitization of digital inclusive finance) also have significant promotion effects on the common prosperity of rural households.There is an intermediary influence on enhancing the digital and financial literacy level of rural households to enhance digital inclusive finance and promote the common prosperity of rural households.Digital inclusive finance has obvious "Matthew effect" among farmers with different degrees of common prosperity,and the breadth of coverage,depth of use and degree of digitalization of digital inclusive finance all have a significant promotion effect on the common prosperity of rural households in the eastern region,and only the breadth of digital inclusive finance coverage has a significant promotion effect on the common prosperity of rural households in the central and western regions.