摘要
金融科技能够有效提升金融服务的可得性,为乡村产业发展和农民增收注入新活力。本文通过构建乡村产业高质量发展综合指标评价体系,从理论和实证双重维度探究金融科技发展对农民收入的直接和间接影响。研究发现:金融科技的发展能有效促进农民增收,特别是能够促进农民工资性收入和经营性收入的增长,乡村产业发展在金融科技与农民收入之间存在部分中介作用。为了进一步提升农村地区金融科技服务能力,促进乡村产业发展,应完善农村数字基础设施建设,提高农民金融素养,加大农村地区金融产品创新力度,建立多元化的农村金融竞争体系。
Financial technology(fintech)will improve the availability of financial services,and inject new vitality into the rural industries development and increase of farmers’income.By constructing a comprehensive index evaluation system of high-quality rural industries development,the article explores the direct and indirect impact of fintech development on farmers’income from both theoretical and empirical dimensions.It is found that the development of fintech can effectively promote the increase of farmers’income,especially the growth of farmers’wage income and operational income;the development of rural industries plays a partial mediating role between fintech and farmers’income.In order to further enhance the ability of fintech services in rural areas and promote the development of rural industries,it is necessary to improve the construction of rural digital infrastructure,improve farmers’financial literacy,increase the innovation of financial products in rural areas,and establish a diversified rural financial competition system.
作者
张振
卜祥彭
李明珠
Zhang Zhen;Bu Xiangpeng;Li Mingzhu(School of Finance,Jilin University of Finance and Economics,Changchun 130117,China;Jilin Centre for Economic Research,Changchun 130117,China)
出处
《西北民族大学学报（哲学社会科学版）》
CSSCI
北大核心
2024年第6期104-116,共13页
Journal of Northwest Minzu University(Philosophy and Social Sciences)
基金
2024年度全国统计科学研究项目“新质生产力驱动下区域经济韧性的测度及强化路径研究”(项目编号:2024LY093)。
关键词
金融科技
乡村产业发展
农民增收
中介效应
fintech
rural industries development
farmers’income increase
mediating effect
作者简介
张振,男,博士,讲师,主要从事农村金融研究;卜祥彭,男,硕士研究生,主要从事农村金融研究;李明珠,女,硕士研究生,主要从事农村金融研究。
