摘要
基于2018年集体林权制度改革监测数据库和北京大学数字普惠金融数据库统计的数据,选用OLS回归模型和分位数回归法研究数字普惠金融对农户林业收入的影响以及不同林业收入水平下数字普惠金融的增收效应。结果表明:数字普惠金融能够促进农户林业收入,关键性影响作用在于数字普惠金融的数字化程度为农户带来的移动化、实惠化、信用化和便利化;数字普惠金融对于低收入水平农户的林业增收效应不显著,而对中等收入水平农户和高收入水平农户的林业增收效应显著;数字普惠金融通过缓解家庭借贷约束,提高资金的可获得性,促进农户林业投入,从而提高农户的林业收入。因此,为使数字普惠金融能够更好地为农村地区居民提供高效便捷的金融服务,应该加强数字普惠金融的宣传普及、完善体系制度以及制定差异化策略。
⑴Background——The existing forestry financial system hasn't enough support for the forestry industry,and the digital financial inclusion can help farmers alleviate the difficulties of forestry production,thereby increasing farmer's income.⑵Methods——Select 2000 valid sample data from 40 counties that match the data in the collective forest tenure reform monitoring database compiled by Shaanxi,Hunan,Liaoning and Fujian in 2018 and the China Digital Financial Inclusion Index(PKU-DFIIC)database compiled by Peking University in 2018,combined with OLS regression and quantile regression,to analyze the income effect of digital financial inclusion,and use regression methods to analyze the mediating role of household borrowing in the impact of digital financial inclusion on farmers'forestry income.⑶Results——①Digital financial inclusion significantly promotes farmers forestry income at a significant level of 1%,and the influence coefficient is 9.For residents in rural areas,living standards and economic development levels are weaker than urban residents,and the generality of digital finance has brought benefits to most farmers,which greatly increases the possibility of forestry production,and has also promoted farmers willingness to expand forestry production scale and diversification,guiding farmers to eliminate concerns about funds.At the same time,the liquidity,affordability,creditability and convenience of the degree of digital financial inclusion,are key factors in promoting the increase in farmers'forestry income.②Under 0.25 points,the influence of digital financial inclusion on farmers'forestry income is not significant.Under 0.50 and 0.75 points,digital financial inclusion significantly promoted farmers forestry income at 1%level.This shows that there are differences in the promotion of farmers'income on different income levels,and digital financial inclusion has a significant effect on the promotion of upper-middle-income level farmers,while there is no significant impact on farmers income of low-income levels.Therefore,the applicability and availability of digital financial inclusion must be strengthened,which ensures the balanced development of the digital financial inclusion in rural areas.③Household credit has certain intermediary role.Farmers'microcredit significantly promotes forestry income at the level of 5%.The development of digital financial inclusion provides farmers with financial services,reducing the threshold of capital lending,which promotes the increase in farmers'forestry income.⑷Conclusions and Discussions——The development of digital financial inclusion provides available financial services for farmers,reduces the threshold of capital lending,and alleviates farmers'credit restrictions,thus promoting the increase of farmers'forestry income.First,special financial services departments or financial services groups should be established within township and village organizations to strengthen the publicity and knowledge dissemination of digital financial inclusion and improve farmers'financial literacy and awareness.Second,we can formulate different service policies and strategies for different income groups.Governments can promote Internet financial innovative services among middle-high income farmers,simplify service links,improve the efficiency of lending and optimize resource allocation.Third,governments are supposed to actively play a guiding and supporting role,increasing investment in education,relying on investment in education to improve the quality of labor,focusing on training professional and technical talents,thereby improving the efficiency of forestry production.Governments are expected to cultivate new forestry management entities,attract college students to return home and start businesses,and encourage young technical personnel to build rural areas.
作者
陈灿
高建中
李善美
徐绍杰
巫福斌
CHEN Can;GAO Jianzhong;LI Shanmei;XU Shaojie;WU Fubin(College of Economics & Management,Northwest A&F University,Yangling,Shaanxi 712100,China)
出处
《林业经济问题》
北大核心
2022年第3期269-277,共9页
Issues of Forestry Economics
基金
国家林业和草原局软科学研究项目(JYC2019-74)
国家林业和草原局重点研究项目(LGS-2018-012)。
关键词
数字普惠金融
家庭借贷
农户
林业收入
收入水平
digital financial inclusion
household credit
farmer
forestry income
income level
作者简介
陈灿(1999-),女,安徽池州人,硕士研究生,主要从事林业资源经济与环境管理等方面的研究,(E-mail)1961761477@qq.com;通信作者:高建中(1968-),男,陕西白水人,教授,博士生导师,主要从事林业资源经济与环境管理等方面的研究,(E-mail)gaojianzhong2003@yahoo.com.cn。
