黄河流域数字普惠金融对农民收入水平的影响研究

Study on the Effect of Digital Inclusive Finance on Farmers’ Income in the Yellow River Basin

摘要: 数字普惠金融相比传统普惠金融，拥有更强大的风险管控能力、更低的成本等优点，能够更好地促进农村居民收入增长。黄河流域在古代是我国农耕文明的起源地，在现代也是我国农村经济重要的发展地。居于黄河流域文化中的农业居民，他们的收入不仅反映了这片地方的农村农业经济发达程度，而且也是我国实现农业农村现代化、实现农民农村共同富裕这一目标的重点。所以，文章以黄河流域114个城市为样本，探讨数字普惠金融和农民收入水平之间的联系。在实证检验中，本文得出数字普惠金融发展对中国黄河流域114个城市的农民经济收入提高，都产生了明显的效果；数字普惠金融的三个维度对黄河流域下游和上游的农村居民收入产生了显著的正向影响，黄河流域中游的农村居民收入产生了显著的负向影响。针对以上结论，本文提出三点建议：一是推出贴合实际的数字普惠金融产品，给予农民群体更多的选择和保障；二是提高数字普惠金融服务质量，确保农民群体的善用、活用；三是加大人才引进工作力度，促进数字普惠金融与农村经济协同发展。

Abstract: Compared with traditional inclusive finance, digital inclusive finance has the advantages of stronger risk control ability and lower cost, which can better promote the growth of rural residents’ income. The Yellow River basin was the origin of China’s agricultural civilization in ancient times and an important development place of China’s rural economy in modern times. The income of the agricultural residents living in the Yellow River basin culture not only reflects the development degree of the rural agricultural economy in this place, but also is the focus of realizing the agricultural and rural modernization and realizing the common prosperity of farmers and rural areas. Therefore, this paper takes 114 cities in the Yellow River basin as samples to explore the link between digital inclusive finance and farmers’ income level. In empirical testing, this paper found that the development of digital inclusive finance has significantly improved the economic income of farmers in 114 cities along the Yellow River Basin. The three dimensions of digital inclusive finance have had a significant positive impact on the income of rural residents in the downstream and upstream areas of the Yellow River Basin, while having a significant negative impact on the income of rural residents in the midstream area. Based on these conclusions, this paper proposes three recommendations: first, to launch digital inclusive financial products that meet actual needs, providing farmers with more choices and security; second, to improve the quality of digital inclusive financial services to ensure that farmers can effectively utilize them; third, to intensify efforts in talent recruitment to promote the coordinated development of digital inclusive finance and rural economies.