文献类型：期刊文献

中文题名：乡村振兴视角下数字普惠金融对农户增收的影响及路径研究

英文题名：Research on the Impact and Path of Digital Inclusive Finance on Rural Household Income Increase from the Perspective of Rural Revitalization

作者：周银航[1];龚征旗[2]

机构：[1]贵州财经大学经济学院,贵州贵阳550000;[2]广东海洋大学经济学院,广东湛江524000

年份：2024

卷号：49

期号：5

起止页码：9

中文期刊名：现代农业

外文期刊名：Modern Agriculture

收录：国家哲学社会科学学术期刊数据库

基金：贵州省哲学社会科学规划项目“新型城镇化进程中贵州城镇低收入人口精准识别和动态帮扶机制研究”(22GZYB34)。

语种：中文

中文关键词：数字普惠金融;乡村振兴;农户增收;调节效应

外文关键词：digital inclusive finance;rural revitalization;increased income for farmers;moderating effect

中文摘要：文章利用2012—2021年中国31个省区市(除去港澳台地区)的省级面板数据,采用双重固定效应模型与调节效应模型,探讨了数字普惠金融对农户收入增长的影响及其具体作用路径。研究结果发现,数字普惠金融显著提升了农民的收入水平,并且“金融可获取性”与“信息可获取性”在其中起到了积极的调节作用。此外,异质性分析指出,数字普惠金融的覆盖广度对农民收入的正面影响最为显著,特别是对教育程度较低的农村家庭,其正面效应更为明显。文章对于推动乡村振兴战略、促进农户增收以及缩小城乡收入差距具有重要的理论和实践意义。

外文摘要：Based on the provincial panel data of 31 provinces,autonomous regions and cities in China's Mainland from 2012 to 2021,this paper analyzed the income-boosting effect and pathway of digital inclusive finance for rural households through the combined double fixed model and moderation effect model.The research findings showed that digital inclusive finance could significantly promote the improvement of rural household income;the“access to finance”and“access to information”both had a positive moderating effect on the income-boosting effect of digital inclusive finance for rural households,the heterogeneity analysis showed that the positive impact of digital inclusive finance coverage on rural household income was the most significant,and the positive effect of digital inclusive finance development on rural households with low education level was more significant.This paper plays a positive and constructive role in promoting rural revitalization,increasing rural household income,and narrowing the urban-rural income gap.