摘要
数字时代普惠金融的发展为我国农村居民提高收入水平带来了新的机遇。为探究数字普惠金融对我国农村居民收入的影响,基于2014—2020年长江经济带11个省市的面板数据运用固定效应模型进行实证检验和分析。研究发现:数字普惠金融的发展对长江经济带农村居民收入水平的提升具有显著的积极作用。同时,数字普惠金融发展的影响具有地区异质性,对长江经济带下游地区的影响最显著。为了进一步发挥数字普惠金融对我国农村居民收入水平提升的赋能作用,需要完善数字普惠金融发展的监管体系和法律法规、促进我国农村地区普惠金融的数字化转型发展以及提升农村居民的数字素养等。
The development of inclusive finance in the digital age has brought new opportunities for China’s rural residents to improve their income level.In order to explore the impact of digital inclusive finance on the income of rural residents in China,this paper uses the fixed effect model for empirical test and analysis based on the panel data of 11 provinces and cities in the Yangtze River Economic Belt from 2014 to 2020.It is found that the development of digital inclusive finance plays a significant positive role in improving the income level of rural residents in the Yangtze River Economic Belt.At the same time,the impact of the development of digital inclusive finance has regional heterogeneity,and the impact on the lower reaches of the Yangtze River Economic Belt is the most significant.To further play the enabling role of digital inclusive finance in improving the income level of rural residents in China,it is necessary to improve the regulatory system,laws and regulations for the development of digital inclusive finance,promote the digital transformation and development of inclusive finance in rural areas,and improve the digital literacy of rural residents.
作者
贺雨
HE Yu(Economics and Management School of Yangtze University,Jingzhou,Hubei 434023)
出处
《安徽农业科学》
CAS
2023年第1期219-221,共3页
Journal of Anhui Agricultural Sciences
关键词
数字普惠金融
农村居民
居民收入
长江经济带
Digital inclusive finance
Rural residents
Resident income
Yangtze River Economic Belt
