摘要
随着数字技术的广泛应用,数字普惠金融逐渐成为推动农村经济发展、农民收入提质增量的重要手段。基于2011—2021年中国31个省份的面板数据,实证检验数字普惠金融对农民收入质量的影响及作用机制。研究发现,数字普惠金融显著提升了农民收入质量,且影响呈现收入层级异质性。机制分析揭示,数字普惠金融能够通过政策赋权、技术赋能等途径促进农民收入质量提升,具体表现为农村电子商务的发展、农村人力资本的增加、社会劳动力技能结构的优化在其中发挥中介作用。进一步研究可发现,农村人力资本投资、社会劳动力技能结构对农民收入质量存在以数字普惠金融为门槛变量的非线性影响。最后,从加强农村基础设施建设、推动数字技术在农村的普及与应用等方面提出对策建议,以更好发挥数字普惠金融对农民收入质量的提升作用。
With the widespread application of digital technology,digital financial inclusion has gradually become a crucial means of promoting rural economic development and enhancing the quality and quantity of farmers’income.Based on the panel data of 31 provinces in China from 2011 to 2021,this study empirically examines the impact of digital financial inclusion on the quality of farmers’income and its underlying mechanisms.The findings reveal that digital financial inclusion significantly improves the quality of farmers’income,with this impact exhibiting heterogeneous effects across different income tiers.Mechanism analysis indicates that digital financial inclusion enhances farmers’income quality through pathways such as policy empowerment and technology enablement.Specifically,the development of rural e-commerce,the accumulation of rural human capital,and the optimization of the skill structure of the social labor force serve as mediating channels.Further research identifies non-linear impacts of rural human capital investment and the skill structure of the social labor force on farmers’income quality,with digital financial inclusion acting as the threshold variable.Finally,countermeasures and suggestions are proposed from aspects such as strengthening rural infrastructure construction and promoting the popularization and application of digital technology in rural areas to better leverage the role of digital inclusive finance in improving farmers’income quality.
作者
向书坚
李燕玲
朱贺
Xiang Shujian;Li Yanling;Zhu He
出处
《统计理论与实践》
2025年第10期43-54,共12页
STATISTICAL THEORY AND PRACTICE
基金
国家社会科学基金重大项目“乡村振兴的治理内涵与绩效测度研究”(22&ZD156)
浙江工商大学基本科研业务费项目“跨境电商引致数据跨境流动的统计核算研究”(FR25011Q)。
