中国数字普惠金融发展是否显著影响了农村居民收入——基于中国家庭追踪调查(CFPS)的经验数据
Does the Development of China's Digital Financial Inclusion Significantly Affect the Income of Rural Residents?——Based on the Empirical Data of the Chinese Family Tracking Survey(CFPS)
熊凯军 1范君茹2
作者信息
- 1. 海南大学国际商学院,海南 海口 570228
- 2. 海口经济学院,海南 海口 571132
- 折叠
摘要
文章采用 2014 年、2016 年和 2018 年中国家庭追踪调查农村样本数据,匹配北京大学数字金融研究中心发布的数字普惠金融指数和其子指标,分析我国数字普惠金融发展对农村居民收入的影响.研究发现:(1)数字普惠金融发展能显著提高农村居民收入,数字普惠金融的六个子指标,覆盖广度、使用深度、支付、保险、信贷和数字化程度也能显著提高农村居民收入.(2)在不同农村地区、农村贫困发生率以及农村人均消费下的数字普惠金融,对农村家庭收入表现出较大差异.(3)分位数回归发现,数字普惠金融发展对低收入农村居民收入的促进效应更高,有助于降低农村地区的贫困率.(4)进一步机制分析,发现金融可得性是数字普惠金融影响农村居民收入的重要渠道.本研究为我国发展数字普惠金融来实现农村居民减贫增收效应,解决可持续扶贫和健全防止返贫机制,提供重要的理论参考依据.
Abstract
The article uses the rural sample data of the Chinese Family Tracking Survey in 2014,2016 and 2018,matching the digital financial inclusion index and its sub-indicators released by the Digital Finance Research Center of Peking University,to analyze the impact of the development of digital financial inclusion in China on the income of rural residents.The study found that:(1)The development of digital financial inclusion can significantly increase the income of rural residents.The six sub-indicators of digital financial inclusion,coverage,depth of use,payment,insurance,credit,and digitalization can also significantly increase rural residents'income.(2)Digital financial inclusion under different rural areas,rural poverty incidence and rural per capita consumption shows great differences in rural household income.(3)The quantile regression results show that the development of digital financial inclusion has a higher impact on the income of low-income rural residents,and helps reduce the poverty rate in rural areas.(4)Further mechanism analysis shows that financial availability is an important channel through which digital inclusive finance affects the income of rural residents.This research provides an important theoretical reference for the development of digital financial inclusion in China to achieve the effect of reducing poverty and increasing income of rural residents,solving sustainable poverty alleviation and improving the mechanism of preventing poverty from returning to poverty.
关键词
数字普惠金融/农村居民收入/子指标/金融可得性Key words
Digital Financial Inclusion/Rural Residents'Income/Sub-indicators/Financial Availability引用本文复制引用
基金项目
海南省自然科学基金青年项目(7240N239)
海南大学科研启动基金(kyqdsk2306)
出版年
2024
NETL
NSTL
万方数据