Digital Inclusive Finance And Poverty Vulnerability Of Rural Residents:Theoretical Mechanism And Empirical Test
The innovation of digital technology has brought the financial field into a new era,and the new internet finance has also brought new opportunities for the construction of a new round of rural revitalization.However,whether the development of digital inclusive finance can reduce the vulnerability of rural residents to poverty needs further discussion.Based on the data of the 2012,2014,2016 and 2018 of China Family Panel Studies and the Digital Financial Inclusion Index pub-lished by the Research Center for Digital Finance of Peking University,this paper conducts theoretical analysis and em-pirical research on whether digital financial inclusion will reduce the vulnerability of rural residents to poverty.It is con-cluded that digital inclusive finance not only has a significant effect on reducing the vulnerability of rural residents to pov-erty,but also has a more prominent effect on rural residents in relatively backward areas and middle-income areas.How-ever,the insufficient level of digitalization in rural areas restricts its effect.In terms of mechanism,digital inclusive fi-nance can directly and indirectly reduce the vulnerability of rural residents to poverty through providing diversified finan-cial services to farmers and income distribution effects.
digital inclusive financerural residentspoverty vulnerability
万方数据
维普
