数字金融是否有利于农村居民的收入?以中国为例

IF 3.2 Q1 BUSINESS, FINANCE
Tinghui Li, Jiehua Ma
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引用次数: 21

摘要

农村居民收入是农村经济发展的核心问题之一,数字普惠金融是农村居民收入的重要影响因素之一。特别是在数字金融技术实施的背景下,两者之间的关系变得更加复杂。本文基于2014-2019年中国大陆1624个县域的面板数据集,运用面板回归模型研究数字普惠金融对农村居民收入的影响。进一步,通过对产业结构、教育水平和金融发展水平的分析,得出以下结论:第一,数字普惠金融显著促进了农村居民收入的增加,但在地区层面和不同分位数的农村居民收入存在差异。在区域层面上,省级防控效果的提升强于县级;在居民收入的不同分位数中,随着居民收入分位数的增加,促进作用逐渐增强。第二,数字普惠金融对农村居民收入的异质性影响主要体现在区域发展、教育水平和金融发展水平三个方面。第三,产业结构、教育水平和金融发展水平会增强数字普惠金融对农村居民收入的促进作用,但三个变量的调节作用强度存在显著差异。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Does digital finance benefit the income of rural residents? A case study on China
Rural residents' income is one of the core issues of rural economic development, and digital financial inclusion is one of the important influencing factors of rural residents' income. Especially under the background of the implementation of digital financial technology, the relationship between the two has become more complex. Based on the panel data set of 1624 counties in Chinese mainland in the past 2014–2019 years, the paper uses panel regression models to study the impact of digital financial inclusion on rural residents' income. Further, by analyzing the industrial structure, education level and financial development level, the following conclusions are drawn. First, digital financial inclusion significantly promotes the increase of rural residents' income, but there are differences in regional level and different quantiles of rural residents' income. At the regional level, the promotion of control effect at the provincial level is stronger than that at the county level; in different quantiles of residents' income, with the increase of residents' income quantile, the promoting effect is gradually enhanced. Second, the heterogeneous impact of digital financial inclusion on rural residents' income is reflected in three aspects: regional development, education level and financial development level. Third, industrial structure, education level and financial development level will enhance the promotion effect of digital financial inclusion on rural residents' income, but there are significant differences in the intensity of the regulatory effect of the three variables.
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来源期刊
CiteScore
0.30
自引率
1.90%
发文量
14
审稿时长
12 weeks
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