| 摘要: |
| 摘要：基于CHFS2017和CHFS2019数据，实证考察数字普惠金融的富农效应。研究结论表明，总体上，数字普惠金融显著促进农户收入增长。具体而言，数字普惠金融对农户工资性收入的促进作用最大，其次为财产性收入，对经营性收入的促进作用较小。机制分析发现，数字普惠金融通过提高农户非农就业水平、缓解农户信贷约束和拓宽农户投资理财渠道，促进农户收入增长。进一步异质性分析表明，数字普惠金融对高物质资本、高人力资本和低社会资本农户收入的促进作用相对较大。因此，应大力推进农村数字普惠金融发展，着力培育农户数字素养与数字能力的提升，充分释放“数字红利”，助推农户可持续增收。 |
| 关键词: 关键词：数字普惠金融；富农效应；收入结构 |
| DOI： |
| 分类号:F823.5；F014.4 |
| 基金项目:基金项目：国家社会科学基金一般项目“脱贫农户经济脆弱性的成因、测度及减缓路径研究”（23BJY153）；河南省软科学研究项目“共同富裕目标下河南省农村家庭可持续增收的多元化路径研究”（242400410084）。 |
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| Re-Examination of the Rich Farmer Effect of Digital Inclusive Finance——From the Perspective of Income Structure |
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LIU Xin-tong1,WANG Ji-xiang1,WANG Shu-tian21,2
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1.（1.School of Business,Henan Normal University;2.College of Finance and Taxation,Zhengzhou Technology and Business University）
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| Abstract: |
| Abstract：Based on CHFS2017 and CHFS2019 data,This article empirically examines the rich farmer effect of digital inclusive finance.The research conclusion shows that overall,digital inclusive finance significantly promotes the growth of farmers’ income.Specifically,digital inclusive finance has the greatest promoting effect on farmers’ wage income,followed by property income,and the least promoting effect on operational income.Mechanism analysis found that digital inclusive finance promotes income growth for farmers by improving their non-agricultural employment level,easing their credit constraints,and expanding their investment and financial channels.Further heterogeneity analysis shows that digital inclusive finance has a relatively significant promoting effect on the income of high material capital,high human capital,and low social capital farmers.Based on this,while vigorously promoting the development of rural digital inclusive finance,efforts should be made to cultivate the improvement of farmers’ digital literacy and digital capabilities,fully unleash the “digital dividend”,and promote sustainable income growth for farmers. |
| Key words: Key words：Digital Inclusive Finance;Rich farmer effect;Income structure |
