The Impact of Digital Inclusive Finance on Rural Relative Poverty
This article empirically tests the impact,mechanism,and heterogeneity of digital inclusive finance on rural relative poverty based on empirical data such as the 2011-2022 Peking University Digital Inclusive Finance Index.The research results indicate that digital inclusive finance has significantly reduced the relative poverty level in rural areas.Further testing was conducted by changing the system GMM estimation method,replacing variables,and addressing sample period volatility issues,demonstrating the robustness of the research conclusions.Mechanism analysis shows that digital inclusive finance alleviates relative poverty levels in rural areas by significantly increasing credit scale,improving credit structure,and enhancing credit quality through credit supply mechanisms.It also significantly promotes innovation and entrepreneurship,thereby alleviating relative poverty levels in rural areas.Heterogeneity analysis shows that in provinces and cities with a higher proportion of non-agricultural economy,a higher proportion of operating income,and a higher level of education,as well as in groups with higher coverage,depth of use,and degree of digitization of digital inclusive finance,the relative poverty improvement effect of digital inclusive finance is more significant.
digital inclusive financerural relative povertycredit supplyinnovation and entrepreneurship
万方数据
维普
