首页|"后扶贫时代"下数字金融对农户多维贫困的影响——基于CHFS2019的实证分析

"后扶贫时代"下数字金融对农户多维贫困的影响——基于CHFS2019的实证分析

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全面小康后我国进入"后扶贫时代",数字金融的使用对缓解多维贫困具有重要价值.采用CHFS2019年数据,研究数字金融对农户多维贫困的影响机理及其异质性.研究显示,数字金融能有效缓解农户多维贫困,金融能力的提升是重要应用机制.具体而言,数字金融对"收入能力贫困"这一维度的影响效应最大,网购这种数字金融使用行为对农户多维贫困的影响最大.异质性分析表明,数字金融减贫效应在空间和个体上均存在"数字鸿沟".据此建议完善数字金融基础设施和积极推广引导农户使用数字金融技术,最后需要加强金融监管,尽量消除其负面影响.
The Influence of Digital Finance on the Multi-dimensional Poverty of Farmers in the "Post-poverty Alleviation Era"——Based on CHFS2019
After the all-off society,China has entered the "post-poverty alleviation era",and the use of digital finance is of great value to al-leviating multi-dimensional poverty.This paper uses the data of CHFS2019 years to study the influence mechanism and heterogeneity of digital finance on the multidimensional poverty of farmers.Research shows that digital finance can significantly alleviate the multi-dimensional poverty of farmers,and the improvement of financial ability is an important application mechanism.Specifically,digital finance has the biggest impact on the dimension of "income capacity poverty",while online shopping has the biggest impact on the multi-dimensional poverty of farmers.Het-erogeneity analysis and quantile regression show that digital financial poverty reduction effect has "digital divide" in both space and individu-als; accordingly,it is suggested to improve digital financial infrastructure and actively promote farmers to use digital financial technology,and finally strengthen financial supervision to eliminate the negative impact.

Post-poverty alleviation eraMulti-dimensional povertyDigital financeImpact mechanism

李雪莲、谢云、夏庆利

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长江大学,湖北荆州 434023

黄冈师范学院商学院,湖北黄冈 438000

后扶贫时代 多维贫困 数字金融 影响机制

2024

安徽农业科学
安徽省农业科学院

安徽农业科学

影响因子:0.413
ISSN:0517-6611
年,卷(期):2024.52(9)