数字普惠金融对农村居民收入的影响研究——以江苏省为例

Study on the Impact of Digital Inclusive Finance on Rural Residents’ Income—A Case Study of Jiangsu Province

摘要: 本文以江苏省为例，基于2011~2023年省级面板数据，实证分析数字普惠金融对农村居民收入的影响机制与效果。研究结果显示，数字普惠金融发展对农村居民收入具有显著正向促进作用，且该结论在经过稳健性检验后依然成立。进一步分析表明，数字普惠金融的覆盖广度和数字化水平是驱动农村居民收入增长的关键维度，而使用深度的影响则相对不显著。本文从理论和实证两个层面揭示了数字普惠金融在促进农村增收、推动乡村振兴中的作用路径，为优化数字普惠金融政策、促进城乡协调发展提供了经验依据与政策参考。

Abstract: This paper takes Jiangsu Province as an example, Based on provincial panel data from 2011 to 2023, Empirical analysis of the impact mechanisms and effects of digital inclusive finance on rural residents’ income. The research findings indicate that, the development of digital inclusive finance has a significant positive impact on rural residents’ income, and this conclusion remains valid after undergoing robustness tests. Further analysis indicates that, the coverage and digitalization level of digital inclusive finance are key dimensions driving income growth among rural residents. The impact of using depth, however, is relatively insignificant. This paper reveals the pathways through which digital inclusive finance promotes rural income growth and drives rural revitalization at both theoretical and empirical levels. It provides empirical evidence and policy references for optimizing digital inclusive finance policies and promoting coordinated urban-rural development.