The most arduous and onerous task of promoting common prosperity still remains in rural areas,developing digital inclusive financial services is a requirement of the times to support the goal of common prosperity.It constructs a panel fixed effects model based on China Family Panel Studies(CFPS)data of 2016 and 2018.Material and spiritual prosperity are used as two dimensions constructs to building a common prosperity index in order to test the impact of digital inclusive finance on the common prosperity of rural residents,and attempt to characterize the mechanism of digital inclusive finance.The findings are as follows:firstly,digital inclusive finance can promote rural farmers to achieve common prosperity.Secondly,the positive effects of digital inclusive finance are heterogeneous.The higher the financial literacy and market participation of rural residents,the more significant the positive effects of digital inclusive finance on common prosperity.Thirdly,the mechanism test finds that digital inclusive finance not only promotes the credit level of rural residents,but also increases the probability and income of rural households'entrepreneurship,thereby promoting common prosperity for rural residents.
关键词
数字普惠金融/农村居民/共同富裕/信贷水平/家庭创业
Key words
digital inclusive finance/rural residents/common prosperity/credit level/family entrepreneurship
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