基于多维贫困脆弱性视角的数字普惠金融防止农户返贫效果研究
Research on the Effectiveness of Digital Inclusive Finance in Preventing Farmers from Returning to Poverty from the Perspective of Multidimensional Poverty Vulnerability
王轶 1赵丙奇1
作者信息
- 1. 宁波大学商学院, 浙江宁波 315211
- 折叠
摘要
选取2014-2018 年中国家庭追踪调查的微观数据和北京大学数字普惠金融指数构建三期平衡面板数据,采用Probit模型对数字普惠金融防止返贫的效果进行实证研究并进行异质性分析.结果表明,数字普惠金融能显著缓解农户多维贫困脆弱性,具有较好的防止返贫效果.就渠道效应而言,其覆盖广度和使用深度对农户多维贫困脆弱性的缓解作用更强.进一步异质性分析揭示了数字普惠金融对低收入农户和东中部地区居民的贫困脆弱性缓解效果更为明显.
Abstract
By selecting micro data from the Chinese household tracking survey from 2014 to 2018 and the Peking University Digital In-clusive Finance Index to construct a three-stage balanced panel data,the Probit model was used to empirically study the effectiveness of digital inclusive finance in preventing farmers from returning to poverty and conduct heterogeneity analysis.The results indicate that digital inclusive finance can significantly alleviate the multidimensional poverty vulnerability of farmers and has a good effect in preven-ting farmers from returning to poverty.In terms of channel effect,its coverage and usage depth have a stronger alleviating effect on the multidimensional poverty vulnerability of farmers.Further heterogeneity analysis revealed that digital inclusive finance has a more sig-nificant effect on alleviating poverty vulnerability for low-income farmers and residents in the eastern and central regions.
关键词
数字普惠金融/防止返贫/农户多维贫困脆弱性Key words
digital inclusive finance/preventing farmers from returning to poverty/multidimensional poverty vulnerability of farmers引用本文复制引用
基金项目
浙江省社会科学基金规划项目(23NDJC129YB)
出版年
2024
NETL
NSTL
万方数据