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数字普惠金融促进农民增收的影响效应分析——基于福建省面板数据的实证研究

Analysis of the Impact of Digital Inclusive Finance on Farmers' Income Growth: Based on the Empirical Study of Panel Data in Fujian Province
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摘要 随着数字技术的引领创新,数字普惠金融作为近年来新兴的普惠金融形态,已逐渐成为驱动我国农村经济高质量发展的重要因素,其在促进产业结构优化和改善区域金融资源配置方面的优势不断凸显,为我国乡村振兴战略提供了有力支持。运用福建省2012-2022年的面板数据,采用实证分析法,构建固定效应模型考察分析数字普惠金融促进福建省农民增收的影响机制。结果表明:数字普惠金融对农民增收有着明显的正向效应,对福建省乡村振兴和普惠金融工作的开展产生了巨大的促进作用。分区域分析发现:数字普惠金融发展水平的提高对福建省农民增收的正向效应具有显著的区域异质性,沿海城市圈的作用效果要显著优于内陆城市圈。中介效应分析发现:人均经济发展水平是数字普惠金融促进福建省农民增收的中介变量,在此作用机制中,人均GDP的增长成为推动农村居民人均收入增长的关键要素,其中介效应占比达36.09%。为了更有效地实施乡村振兴战略,实现数字普惠金融赋能经济高质量发展,政府应加快健全数字普惠金融监管体系,规范金融市场秩序;进一步优化政府引导职能,因地制宜精准施策;进一步加强普惠金融科技赋能,引领农村产业转型升级;多部门多渠道联动,不断提升农户金融素养,加快弥合数字鸿沟,有效促进农民增产增收。 With the leading innovation of digital technology,digital inclusive finance,as an emerging form of inclusive finance in recent years,has gradually become an important factor driving the high-quality development of China's rural economy.Its advantages in promoting the optimization of industrial structure and improving the allocation of regional financial resources have become increasingly prominent,providing strong support for China's rural revitalization strategy.Using panel data of Fujian Province from 2012 to 2022,empirical analysis was conducted to construct a fixed-effect model to examine and analyze the impact mechanism of digital inclusive finance on promoting farmers'income growth in Fujian Province.The results show that digital inclusive finance has an obvious positive effect on farmers'income increase,greatly promoting rural revitalization and inclusive finance initiatives in Fujian Province.A sub-regional analysis reveals that the positive effect of the improvement in the level of digital inclusive finance development on farmers'income growth in Fujian Province exhibits significant regional heterogeneity,with the coastal city circle exhibiting a significantly stronger effect than the inland city circle.The mediating effect analysis finds that the level of per capita economic development is the mediating variable in the process of digital inclusive finance promoting farmers'income growth in Fujian Province.In this mechanism,the growth of per capita GDP has become the key factor driving the increase in rural residents'per capita income,which accounts for 36.09%of the mediating effect.In order to more effectively implement the rural revitalization strategy and achieve high-quality economic development empowered by digital inclusive finance,the government should accelerate the establishment and improvement of a robust regulatory system for digital inclusive finance and standardize the financial market order;further optimize the government's guiding role and accurately implement policies according to local conditions;further strengthen financial inclusive science and technology empowerment and lead the transformation and upgrading of the rural industry;and continuously improve the financial literacy of farming households through multi-sectoral and multi-channel collaboration,accelerate the bridging of the digital divide,and effectively promote farmers to increase production and income.
作者 张之瀚 林鹭航 Zhihan Zhang;Luhang Lin(School of Economics,Fujian Normal University,Fuzhou 350118,China;Department of Economics,Party School of the CPC Fujian Provincial Committee,Fuzhou 350100,China)
出处 《财务与金融》 2024年第5期20-30,39,共12页 Accounting and Finance
基金 国家社科基金一般项目(21BJL113)阶段成果。
关键词 数字普惠金融 农民增收 实证研究 固定效应模型 Digital Inclusive Finance Farmers'Income Growth Empirical Research Fixed Effects Model
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