Research on the Impact of Digital Inclusive Finance on the Life Quality of Rural Families
Guided by Maslow's hierarchy of needs theory,this paper established a subjective and objective evaluation in-dex system for life quality,to analyze the impact of digital inclusive finance on the life quality of rural families in China,and the intermediary role of farmer cooperatives.The research has found that digital inclusive finance can significantly improve the life quality of rural families,and its three sub dimensions also have significant positive effects,with the degree of digitization being the most significant.The heterogeneity analysis found that the improve-ment effect of digital inclusive finance on the life quality of rural families is U-shaped,and the improvement effect on the life quality of rural families with heavy household burdens is stronger.The analysis of the mechanism of ac-tion reveals that digital inclusive finance can improve the life quality of rural families by optimizing the operating methods of farmer cooperatives to enhance the quality of cooperative operations,and the effect of optimizing operat-ing methods is more pronounced.It proposes suggestions such as further developing digital inclusive finance,en-couraging farmer cooperatives to engage in physical processing,e-commerce,leisure agriculture,and rural tourism,and improving the profit distribution system for farmer cooperatives.
digital financial inclusionfarmers cooperativelife quality of rural families
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