摘要
促进农民增收是乡村振兴和共同富裕的共同要求,数字普惠金融能否促进农民增收,助力乡村振兴和共同富裕值得深入探讨。本文将2020年县域数字普惠金融指数与2021年中国社会综合调查(CGSS)农民数据和县域社会经济数据相匹配,探讨数字普惠金融对农民收入的影响及其作用机制。研究发现:数字普惠金融能显著促进农民增收,农民创业和非农就业在数字普惠金融和农民收入之间发挥中介作用,政府干预强化了数字普惠金融的增收效应,东部地区数字普惠金融的增收效应比中西部地区强。基于上述研究结论,文章提出相应的对策建议:将农村地区数字普惠金融的供给与需求相匹配;优化农村创业环境,促进农村非农就业规模扩张;完善农村数字基础设施,提升农村人力资本水平;加大数字普惠金融资源向中西部农村地区倾斜的力度。
Promoting the growth of farmers'income is a key objective of rural revitalization and common prosperity.It is important to explore whether digital inclusive finance can contribute to this income growth and further support rural revitalization and common prosperity.This paper examines the impact of digital inclusive finance on farmers'income by matching the county-level digital inclusive finance index for 2020 with data from the 2021 Chinese General Social Survey(CGSS)and county-level socioeconomic indicators.The findings reveal that digital inclusive finance significantly pro-motes farmers'income growth.Farmers'entrepreneurship and non-agricultural employment act as mediators between digit-al inclusive finance and income growth.Additionally,government intervention enhances the income-boosting effect of di-gital inclusive finance.The effect is stronger in the eastern regions compared to the central and western regions.Based on these findings,the paper proposes several recommendations:aligning the supply and demand of digital inclusive finance in rural areas,optimizing the rural entrepreneurship environment,promoting the expansion of rural non-agricultural employ-ment,improving rural digital infrastructure,enhancing human capital in rural areas,and increasing the allocation of digital inclusive resources to the central and western regions.
作者
丁可可
王琴
刘洋
Ding Keke;Wang Qin;Liu Yang(Research Center for Financial Development and Financial Socialization,Chongqing University of Education,Chongqing 400065,China;School of Economics and Finance,Chongqing University of Technology,Chongqing 400054,China)
出处
《西部经济管理论坛》
2024年第6期29-41,共13页
West Forum on Economy and Management
基金
重庆市社会科学规划项目(2023PY20)
重庆市社会科学规划项目(2023BS030)
国家社会科学基金青年项目(22CJL021)
重庆市教育委员会人文社会科学研究重大项目(22SKGH447)
重庆市教育科学规划课题(2020-DP-27)。
关键词
数字普惠金融
农民收入
中国社会综合调查
农民创业
非农就业
digital inclusive finance
farmers'income
Chinese General Social Survey(CGSS)
farmers'entrepren-eurship
non-agricultural employment
作者简介
丁可可(1989-),女,博士研究生,讲师,研究方向为区域经济、农村经济;王琴(1995-),女,博士,讲师,研究方向为农村经济与区域经济。
