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数字普惠金融对农村土地流转的影响研究

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在数字技术的推动下,数字普惠金融应运而生,它在解决金融市场普遍存在的"长尾"问题方面发挥了重要作用,对农业农村现代化的支持作用也日益显现.选取中国家庭追踪调查数据(CFPS),实证检验数字普惠金融对我国农村土地流转的影响及作用机制.结果表明:(1)数字普惠金融能够显著促进农地流转;(2)异质性方面,数字普惠金融对农地流转的正向效应存在不同维度、人力资本及地区等方面的差异;(3)数字普惠金融可以通过提升农户非农就业间接带动农地流转,表现出"数字普惠金融→促进非农就业→促进农户农地流转"的传导机制.因此,应重视区域差异、提高农户的教育水平及金融素养、从多维度全面推动数字普惠金融的发展,以支持农业农村高质量发展.
Research on the Impact of Digital Inclusive Finance on Farmland Transfer
Under the promotion of digital technology,digital inclusive finance arises at the historic moment and plays an important role in solving the widespread"long tail"problem in the financial market,and its sup-porting role in agricultural and rural modernization is also increasingly apparent.In this study,China Family Panel Study data(CFPS)was selected to empirically test the influence and function mechanism of digital inclusive finance on farmland transfer in China.The results show that:(1)digital inclusive finance can significantly promote farmland transfer;(2)in terms of heterogeneity,the positive effect of digital in-clusive finance on farmland transfer varies in different dimensions,human capital and regions;(3)digi-tal inclusive finance can indirectly promote farmland transfer by improving non-agricultural employment,showing the transmission mechanism of"digital inclusive finance promotes non-agricultural employment and promotes farmland transfer".Therefore,we should pay attention to regional differences,improve the education level and financial literacy of farmers,and comprehensively promote the development of digital inclusive finance from multiple dimensions to support the high-quality development of agriculture and ru-ral areas.

digital financial inclusionfarmland transferheterogeneitynon-farm employment

王岩、王亚迪

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郑州航空工业管理学院,河南 郑州 450046

数字普惠金融 农地流转 异质性 非农就业

2024

郑州航空工业管理学院学报(社会科学版)
郑州航空工业管理学院

郑州航空工业管理学院学报(社会科学版)

CHSSCD
影响因子:0.2
ISSN:1009-1750
年,卷(期):2024.43(6)