后扶贫时代西北地区数字普惠金融减缓相对贫困路径研究

Research on the Path of Digital Inclusive Finance in Alleviating Relative Poverty in Northwest China in the Post-poverty Alleviation Era

乡村振兴背景下,作为金融创新服务模式之一的数字普惠金融在脱贫攻坚战中发挥了重要作用,虽然绝对贫困问题得到历史性解决,但相对贫困问题并未消除。由于地理位置和自然条件的特殊性,西北地区脱贫摘帽较晚,具有较大返贫风险,基于此,选取2011—2022年西北地区面板数据,实证研究了数字普惠金融对西北地区农村相对贫困减缓的作用机制。研究表明:西北地区数字普惠金融显著减缓农村相对贫困,此外信贷资金供给、人力资本提高及经济发展均是重要的减缓路径。

In the context of rural revitalization,digital inclusive finance,as one of the innovative financial service models,has played an important role in the fight against poverty.Although the absolute poverty has been eliminated historically,the relative poverty has not been eliminated.Due to its special geographical location and natural conditions,northwest China was lifted out of poverty late,which has a great risk of returning to poverty.Based on this,the panel data of northwest China from 2011 to 2022 are selected to empirically study the mechanism of digital inclusive finance on the alleviation of relative poverty in rural areas in northwest China.Research shows that the digital inclusive finance in northwest China significantly alleviates the relative poverty in rural areas,and the supply of credit funds,the improvement of human capital and economic development are all important means to alleviate the poverty.