Research on the Impact of Digital Inclusive Finance on Rural Common Prosperity
Digital inclusive finance can effectively reduce financial exclusion and provide financial Xproducts and services needed by all groups,especially in rural areas,demonstrating its advantages of deep inclusion.This paper empirically analyzes the relationship between digital inclusive finance and rural common wealth as well as the im-pact mechanism by using the digital inclusive finance development index and the China Household Finance Survey data.The findings show that digital inclusive finance significantly increases the level of rural common prosperity,and enhances the level of rural common prosperity through mechanisms such as easing credit constraints,improving risk control and increasing diversified services.The heterogeneity analysis shows that there are regional and knowl-edge reserve differences in the impact of digital inclusive finance on rural common prosperity.Therefore,it is neces-sary to further increase the popularity of rural digital inclusive finance,optimize the rural digital inclusive financial environment,enhance the digital capacity of rural residents,and improve the legal protection of digital finance.
Digital inclusive financeCommon prosperityRural credit constraintsRisk controlDiversified services
NETL
NSTL
万方数据
